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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 | $136,287 | $112,729+20.9% | $98,716+38.1% | $137,256-0.7% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.3%+5.7pp | 80.0%-5.0pp |
| Annual return | 15.53% | 38.48%-23.0pp | 31.81%-16.3pp | 220.34%-204.8pp |
| Employer contribution / active EE | $469 | $2,725-82.8% | $2,279-79.4% | $4,156-88.7% |
| Participant deferral / active EE | $1,161 | $4,640-75.0% | $4,048-71.3% | $6,407-81.9% |
| Admin fee / account holder | $1,918 | $10,129-81.1% | $8,703-78.0% | $12,270-84.4% |