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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 | $185,958 | $182,442+1.9% | $163,379+13.8% | $138,895+33.9% |
| Participation rate | 75.0% | 79.8%-4.8pp | 76.8%-1.8pp | 79.9%-4.9pp |
| Annual return | 14.76% | 72.74%-58.0pp | 63.41%-48.6pp | 145.39%-130.6pp |
| Employer contribution / active EE | $1,249 | $4,159-70.0% | $3,752-66.7% | $4,194-70.2% |
| Participant deferral / active EE | $11,607 | $6,817+70.3% | $6,282+84.8% | $6,396+81.5% |
| Admin fee / account holder | $2,238 | $10,396-78.5% | $9,818-77.2% | $12,562-82.2% |