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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 | $147,866 | $124,980+18.3% | $108,359+36.5% | $154,746-4.4% |
| Participation rate | 80.0% | 75.2%+4.8pp | 70.1%+9.9pp | 80.7%-0.7pp |
| Annual return | 15.73% | 45.00%-29.3pp | 36.89%-21.2pp | 172.34%-156.6pp |
| Employer contribution / active EE | $1,581 | $2,851-44.5% | $2,399-34.1% | $4,379-63.9% |
| Participant deferral / active EE | $6,854 | $4,743+44.5% | $4,137+65.7% | $6,730+1.8% |
| Admin fee / account holder | $1,345 | $11,502-88.3% | $9,741-86.2% | $14,365-90.6% |