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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 | $153,384 | $154,228-0.5% | $145,433+5.5% | $137,256+11.8% |
| Participation rate | 71.4% | 83.8%-12.4pp | 82.1%-10.7pp | 80.0%-8.5pp |
| Annual return | 17.92% | 74.59%-56.7pp | 66.58%-48.7pp | 220.34%-202.4pp |
| Employer contribution / active EE | $4,044 | $4,804-15.8% | $4,554-11.2% | $4,156-2.7% |
| Participant deferral / active EE | $11,973 | $8,216+45.7% | $7,897+51.6% | $6,407+86.9% |
| Admin fee / account holder | $364 | $14,344-97.5% | $13,129-97.2% | $12,270-97.0% |