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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 | $145,384 | $139,948+3.9% | $121,663+19.5% | $154,746-6.1% |
| Participation rate | 78.6% | 78.0%+0.6pp | 74.5%+4.1pp | 80.7%-2.1pp |
| Annual return | 16.25% | 230.52%-214.3pp | 147.54%-131.3pp | 172.34%-156.1pp |
| Employer contribution / active EE | $5,357 | $3,521+52.2% | $3,020+77.4% | $4,379+22.3% |
| Participant deferral / active EE | $9,782 | $5,629+73.8% | $4,887+100.2% | $6,730+45.3% |
| Admin fee / account holder | $695 | $17,321-96.0% | $14,289-95.1% | $14,365-95.2% |