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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 | $144,236 | $126,661+13.9% | $113,397+27.2% | $138,895+3.8% |
| Participation rate | 79.2% | 79.4%-0.3pp | 76.5%+2.7pp | 79.9%-0.8pp |
| Annual return | 16.30% | 25.05%-8.8pp | 23.20%-6.9pp | 145.39%-129.1pp |
| Employer contribution / active EE | $3,913 | $3,456+13.2% | $2,977+31.4% | $4,194-6.7% |
| Participant deferral / active EE | $8,849 | $5,693+55.4% | $5,076+74.3% | $6,396+38.3% |
| Admin fee / account holder | $1,247 | $14,549-91.4% | $11,957-89.6% | $12,562-90.1% |