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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 | $145,586 | $138,312+5.3% | $122,979+18.4% | $155,188-6.2% |
| Participation rate | 87.5% | 80.2%+7.3pp | 77.2%+10.3pp | 80.8%+6.7pp |
| Annual return | 15.92% | 22.06%-6.1pp | 20.12%-4.2pp | 148.84%-132.9pp |
| Employer contribution / active EE | $8,570 | $3,530+142.8% | $3,062+179.8% | $4,248+101.8% |
| Participant deferral / active EE | $6,440 | $5,592+15.2% | $5,003+28.7% | $6,531-1.4% |
| Admin fee / account holder | $1,427 | $15,089-90.5% | $12,864-88.9% | $14,480-90.1% |