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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 | $162,375 | $138,312+17.4% | $122,979+32.0% | $155,188+4.6% |
| Participation rate | 87.5% | 80.2%+7.3pp | 77.2%+10.3pp | 80.8%+6.7pp |
| Annual return | 16.82% | 22.06%-5.2pp | 20.12%-3.3pp | 148.84%-132.0pp |
| Employer contribution / active EE | $13,444 | $3,530+280.8% | $3,062+339.0% | $4,248+216.5% |
| Participant deferral / active EE | $7,479 | $5,592+33.7% | $5,003+49.5% | $6,531+14.5% |
| Admin fee / account holder | $12,683 | $15,089-15.9% | $12,864-1.4% | $14,480-12.4% |