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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 | $152,027 | $154,228-1.4% | $145,433+4.5% | $137,256+10.8% |
| Participation rate | 85.7% | 83.8%+1.9pp | 82.1%+3.6pp | 80.0%+5.8pp |
| Annual return | 18.35% | 74.59%-56.2pp | 66.58%-48.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $2,303 | $4,804-52.1% | $4,554-49.4% | $4,156-44.6% |
| Participant deferral / active EE | $11,516 | $8,216+40.2% | $7,897+45.8% | $6,407+79.7% |
| Admin fee / account holder | $540 | $14,344-96.2% | $13,129-95.9% | $12,270-95.6% |