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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 | $137,828 | $201,259-31.5% | $184,200-25.2% | $145,959-5.6% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 11.65% | 28.98%-17.3pp | 28.80%-17.1pp | 561.95%-550.3pp |
| Employer contribution / active EE | $6,374 | $7,018-9.2% | $6,424-0.8% | $4,661+36.8% |
| Participant deferral / active EE | $18,463 | $9,806+88.3% | $9,132+102.2% | $6,689+176.0% |
| Admin fee / account holder | $445 | $16,372-97.3% | $13,907-96.8% | $13,398-96.7% |