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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 | $201,344-31.5% | $184,243-25.2% | $145,877-5.5% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 11.65% | 29.01%-17.4pp | 28.82%-17.2pp | 551.28%-539.6pp |
| Employer contribution / active EE | $6,374 | $7,022-9.2% | $6,427-0.8% | $4,663+36.7% |
| Participant deferral / active EE | $18,463 | $9,807+88.3% | $9,132+102.2% | $6,691+176.0% |
| Admin fee / account holder | $445 | $16,382-97.3% | $13,914-96.8% | $13,402-96.7% |