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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 | $163,458 | $154,228+6.0% | $145,433+12.4% | $137,256+19.1% |
| Participation rate | 70.0% | 83.8%-13.8pp | 82.1%-12.1pp | 80.0%-10.0pp |
| Annual return | 13.97% | 74.59%-60.6pp | 66.58%-52.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $4,756 | $4,804-1.0% | $4,554+4.4% | $4,156+14.4% |
| Participant deferral / active EE | $8,235 | $8,216+0.2% | $7,897+4.3% | $6,407+28.5% |
| Admin fee / account holder | $1,485 | $14,344-89.6% | $13,129-88.7% | $12,270-87.9% |