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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 | $151,709 | $136,860+10.8% | $120,344+26.1% | $154,746-2.0% |
| Participation rate | 92.3% | 79.9%+12.4pp | 76.7%+15.6pp | 80.7%+11.6pp |
| Annual return | 13.95% | 21.38%-7.4pp | 20.30%-6.4pp | 172.34%-158.4pp |
| Employer contribution / active EE | $3,822 | $3,533+8.2% | $3,020+26.6% | $4,379-12.7% |
| Participant deferral / active EE | $11,286 | $5,793+94.8% | $5,135+119.8% | $6,730+67.7% |
| Admin fee / account holder | $2,973 | $15,393-80.7% | $12,742-76.7% | $14,365-79.3% |