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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 | $143,430 | $138,312+3.7% | $122,979+16.6% | $155,188-7.6% |
| Participation rate | 81.8% | 80.2%+1.6pp | 77.2%+4.6pp | 80.8%+1.0pp |
| Annual return | 14.79% | 22.06%-7.3pp | 20.12%-5.3pp | 148.84%-134.0pp |
| Employer contribution / active EE | $7,223 | $3,530+104.6% | $3,062+135.9% | $4,248+70.0% |
| Participant deferral / active EE | $3,734 | $5,592-33.2% | $5,003-25.4% | $6,531-42.8% |
| Admin fee / account holder | $14,812 | $15,089-1.8% | $12,864+15.1% | $14,480+2.3% |