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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 | $159,938 | $126,661+26.3% | $113,397+41.0% | $138,895+15.2% |
| Participation rate | 93.3% | 79.4%+13.9pp | 76.5%+16.8pp | 79.9%+13.4pp |
| Annual return | 17.13% | 25.05%-7.9pp | 23.20%-6.1pp | 145.39%-128.3pp |
| Employer contribution / active EE | $11,473 | $3,456+232.0% | $2,977+285.4% | $4,194+173.6% |
| Participant deferral / active EE | $11,066 | $5,693+94.4% | $5,076+118.0% | $6,396+73.0% |
| Admin fee / account holder | $6,668 | $14,549-54.2% | $11,957-44.2% | $12,562-46.9% |