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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 | $145,675 | $136,860+6.4% | $120,344+21.0% | $154,746-5.9% |
| Participation rate | 85.7% | 79.9%+5.8pp | 76.7%+9.0pp | 80.7%+5.0pp |
| Annual return | 11.20% | 21.38%-10.2pp | 20.30%-9.1pp | 172.34%-161.1pp |
| Employer contribution / active EE | $0 | $3,533-100.0% | $3,020-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $8,935 | $5,793+54.2% | $5,135+74.0% | $6,730+32.8% |
| Admin fee / account holder | $3,352 | $15,393-78.2% | $12,742-73.7% | $14,365-76.7% |