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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 | $146,851 | $154,228-4.8% | $145,433+1.0% | $137,256+7.0% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 18.61% | 74.59%-56.0pp | 66.58%-48.0pp | 220.34%-201.7pp |
| Employer contribution / active EE | $4,859 | $4,804+1.1% | $4,554+6.7% | $4,156+16.9% |
| Participant deferral / active EE | $7,782 | $8,216-5.3% | $7,897-1.5% | $6,407+21.5% |
| Admin fee / account holder | $317 | $14,344-97.8% | $13,129-97.6% | $12,270-97.4% |