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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 | $165,952 | $112,729+47.2% | $98,716+68.1% | $137,256+20.9% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.3%+16.4pp | 80.0%+5.8pp |
| Annual return | 20.22% | 38.48%-18.3pp | 31.81%-11.6pp | 220.34%-200.1pp |
| Employer contribution / active EE | $3,402 | $2,725+24.8% | $2,279+49.3% | $4,156-18.1% |
| Participant deferral / active EE | $8,317 | $4,640+79.2% | $4,048+105.5% | $6,407+29.8% |
| Admin fee / account holder | $6,712 | $10,129-33.7% | $8,703-22.9% | $12,270-45.3% |