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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 | $162,410 | $135,956+19.5% | $123,894+31.1% | $273,972-40.7% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 3.89% | 56.63%-52.7pp | 47.52%-43.6pp | 41.46%-37.6pp |
| Employer contribution / active EE | $4,819 | $5,170-6.8% | $4,617+4.4% | $4,869-1.0% |
| Participant deferral / active EE | $13,324 | $6,343+110.1% | $5,984+122.7% | $5,287+152.0% |
| Admin fee / account holder | $2,814 | $9,817-71.3% | $8,357-66.3% | $10,133-72.2% |