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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 | $168,063 | $185,312-9.3% | $161,489+4.1% | $154,746+8.6% |
| Participation rate | 84.6% | 82.5%+2.2pp | 78.7%+5.9pp | 80.7%+3.9pp |
| Annual return | 14.86% | 103.84%-89.0pp | 89.72%-74.9pp | 172.34%-157.5pp |
| Employer contribution / active EE | $1,128 | $4,769-76.3% | $4,268-73.6% | $4,379-74.2% |
| Participant deferral / active EE | $6,683 | $6,350+5.3% | $5,630+18.7% | $6,730-0.7% |
| Admin fee / account holder | $1,477 | $18,654-92.1% | $16,006-90.8% | $14,365-89.7% |