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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 | $133,980 | $138,312-3.1% | $122,979+8.9% | $155,188-13.7% |
| Participation rate | 72.7% | 80.2%-7.5pp | 77.2%-4.5pp | 80.8%-8.1pp |
| Annual return | 18.21% | 22.06%-3.9pp | 20.12%-1.9pp | 148.84%-130.6pp |
| Employer contribution / active EE | $5,862 | $3,530+66.0% | $3,062+91.4% | $4,248+38.0% |
| Participant deferral / active EE | $7,513 | $5,592+34.3% | $5,003+50.2% | $6,531+15.0% |
| Admin fee / account holder | $9,687 | $15,089-35.8% | $12,864-24.7% | $14,480-33.1% |