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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 | $146,472 | $185,312-21.0% | $161,489-9.3% | $154,746-5.3% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 14.44% | 103.84%-89.4pp | 89.72%-75.3pp | 172.34%-157.9pp |
| Employer contribution / active EE | $1,644 | $4,769-65.5% | $4,268-61.5% | $4,379-62.5% |
| Participant deferral / active EE | $12,684 | $6,350+99.8% | $5,630+125.3% | $6,730+88.5% |
| Admin fee / account holder | $9,627 | $18,654-48.4% | $16,006-39.9% | $14,365-33.0% |