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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $201,882 | $107,666+87.5% | $102,184+97.6% | $154,746+30.5% |
| Participation rate | 85.0% | 83.7%+1.3pp | 82.6%+2.4pp | 80.7%+4.3pp |
| Annual return | 16.98% | 29.33%-12.3pp | 31.58%-14.6pp | 172.34%-155.4pp |
| Employer contribution / active EE | $3,709 | $3,846-3.6% | $3,594+3.2% | $4,379-15.3% |
| Participant deferral / active EE | $13,766 | $8,719+57.9% | $8,309+65.7% | $6,730+104.5% |
| Admin fee / account holder | $11,756 | $12,943-9.2% | $11,609+1.3% | $14,365-18.2% |