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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 | $157,392 | $209,336-24.8% | $197,124-20.2% | $137,256+14.7% |
| Participation rate | 87.5% | 87.3%+0.2pp | 86.7%+0.8pp | 80.0%+7.5pp |
| Annual return | 11.97% | 48.09%-36.1pp | 44.34%-32.4pp | 220.34%-208.4pp |
| Employer contribution / active EE | $5,429 | $6,591-17.6% | $6,227-12.8% | $4,156+30.6% |
| Participant deferral / active EE | $15,204 | $9,614+58.1% | $9,135+66.4% | $6,407+137.3% |
| Admin fee / account holder | $28,845 | $17,308+66.7% | $16,298+77.0% | $12,270+135.1% |