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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 | $138,312+9.7% | $122,979+23.4% | $155,188-2.2% |
| Participation rate | 92.3% | 80.2%+12.1pp | 77.2%+15.1pp | 80.8%+11.5pp |
| Annual return | 13.95% | 22.06%-8.1pp | 20.12%-6.2pp | 148.84%-134.9pp |
| Employer contribution / active EE | $3,822 | $3,530+8.3% | $3,062+24.8% | $4,248-10.0% |
| Participant deferral / active EE | $11,286 | $5,592+101.8% | $5,003+125.6% | $6,531+72.8% |
| Admin fee / account holder | $2,973 | $15,089-80.3% | $12,864-76.9% | $14,480-79.5% |