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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 | $153,353 | $154,228-0.6% | $145,433+5.4% | $137,256+11.7% |
| Participation rate | 77.3% | 83.8%-6.5pp | 82.1%-4.8pp | 80.0%-2.7pp |
| Annual return | 15.28% | 74.59%-59.3pp | 66.58%-51.3pp | 220.34%-205.1pp |
| Employer contribution / active EE | $3,346 | $4,804-30.3% | $4,554-26.5% | $4,156-19.5% |
| Participant deferral / active EE | $8,774 | $8,216+6.8% | $7,897+11.1% | $6,407+37.0% |
| Admin fee / account holder | $8,379 | $14,344-41.6% | $13,129-36.2% | $12,270-31.7% |