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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 | $151,806 | $135,956+11.7% | $123,894+22.5% | $273,972-44.6% |
| Participation rate | 84.6% | 84.1%+0.6pp | 81.4%+3.2pp | 83.0%+1.6pp |
| Annual return | 20.36% | 56.63%-36.3pp | 47.52%-27.2pp | 41.46%-21.1pp |
| Employer contribution / active EE | $4,245 | $5,170-17.9% | $4,617-8.1% | $4,869-12.8% |
| Participant deferral / active EE | $8,761 | $6,343+38.1% | $5,984+46.4% | $5,287+65.7% |
| Admin fee / account holder | $4,157 | $9,817-57.7% | $8,357-50.3% | $10,133-59.0% |