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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 | $140,542 | $102,938+36.5% | $94,105+49.3% | $138,895+1.2% |
| Participation rate | 70.0% | 74.6%-4.6pp | 71.9%-1.9pp | 79.9%-9.9pp |
| Annual return | 21.75% | 250.28%-228.5pp | 204.55%-182.8pp | 145.39%-123.6pp |
| Employer contribution / active EE | $2,805 | $2,732+2.7% | $2,504+12.0% | $4,194-33.1% |
| Participant deferral / active EE | $6,648 | $4,196+58.4% | $3,881+71.3% | $6,396+3.9% |
| Admin fee / account holder | $933 | $6,600-85.9% | $6,199-84.9% | $12,562-92.6% |