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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 | $136,860+4.8% | $120,344+19.2% | $154,746-7.3% |
| Participation rate | 81.8% | 79.9%+1.9pp | 76.7%+5.1pp | 80.7%+1.1pp |
| Annual return | 14.79% | 21.38%-6.6pp | 20.30%-5.5pp | 172.34%-157.5pp |
| Employer contribution / active EE | $7,223 | $3,533+104.4% | $3,020+139.2% | $4,379+64.9% |
| Participant deferral / active EE | $3,734 | $5,793-35.5% | $5,135-27.3% | $6,730-44.5% |
| Admin fee / account holder | $14,812 | $15,393-3.8% | $12,742+16.2% | $14,365+3.1% |