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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 | $156,894 | $185,312-15.3% | $161,489-2.8% | $154,746+1.4% |
| Participation rate | 94.4% | 82.5%+12.0pp | 78.7%+15.7pp | 80.7%+13.7pp |
| Annual return | 13.11% | 103.84%-90.7pp | 89.72%-76.6pp | 172.34%-159.2pp |
| Employer contribution / active EE | $6,585 | $4,769+38.1% | $4,268+54.3% | $4,379+50.4% |
| Participant deferral / active EE | $9,366 | $6,350+47.5% | $5,630+66.4% | $6,730+39.2% |
| Admin fee / account holder | $1,776 | $18,654-90.5% | $16,006-88.9% | $14,365-87.6% |