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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 | $141,301 | $136,860+3.2% | $120,344+17.4% | $154,746-8.7% |
| Participation rate | 84.6% | 79.9%+4.7pp | 76.7%+7.9pp | 80.7%+3.9pp |
| Annual return | 14.92% | 21.38%-6.5pp | 20.30%-5.4pp | 172.34%-157.4pp |
| Employer contribution / active EE | $2,438 | $3,533-31.0% | $3,020-19.3% | $4,379-44.3% |
| Participant deferral / active EE | $4,078 | $5,793-29.6% | $5,135-20.6% | $6,730-39.4% |
| Admin fee / account holder | $9,074 | $15,393-41.1% | $12,742-28.8% | $14,365-36.8% |