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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 | $152,922 | $162,136-5.7% | $152,301+0.4% | $154,746-1.2% |
| Participation rate | 86.7% | 84.1%+2.6pp | 82.4%+4.2pp | 80.7%+6.0pp |
| Annual return | 14.97% | 91.02%-76.1pp | 80.50%-65.5pp | 172.34%-157.4pp |
| Employer contribution / active EE | $2,577 | $4,890-47.3% | $4,624-44.3% | $4,379-41.2% |
| Participant deferral / active EE | $8,117 | $8,341-2.7% | $8,004+1.4% | $6,730+20.6% |
| Admin fee / account holder | $1,638 | $15,759-89.6% | $14,398-88.6% | $14,365-88.6% |