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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 | $156,126 | $174,379-10.5% | $152,093+2.7% | $138,895+12.4% |
| Participation rate | 84.6% | 81.6%+3.0pp | 77.8%+6.8pp | 79.9%+4.7pp |
| Annual return | 15.71% | 74.86%-59.1pp | 66.36%-50.6pp | 145.39%-129.7pp |
| Employer contribution / active EE | $5,354 | $4,652+15.1% | $4,175+28.3% | $4,194+27.7% |
| Participant deferral / active EE | $5,442 | $6,159-11.6% | $5,451-0.2% | $6,396-14.9% |
| Admin fee / account holder | $927 | $16,880-94.5% | $14,497-93.6% | $12,562-92.6% |