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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 | $162,136-6.2% | $152,301-0.2% | $154,746-1.8% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 18.35% | 91.02%-72.7pp | 80.50%-62.2pp | 172.34%-154.0pp |
| Employer contribution / active EE | $2,303 | $4,890-52.9% | $4,624-50.2% | $4,379-47.4% |
| Participant deferral / active EE | $11,516 | $8,341+38.1% | $8,004+43.9% | $6,730+71.1% |
| Admin fee / account holder | $540 | $15,759-96.6% | $14,398-96.2% | $14,365-96.2% |