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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 | $152,626 | $212,777-28.3% | $173,703-12.1% | $198,609-23.2% |
| Participation rate | 84.6% | 81.1%+3.6pp | 75.9%+8.7pp | 82.4%+2.2pp |
| Annual return | 14.43% | 18.82%-4.4pp | 17.46%-3.0pp | 202.70%-188.3pp |
| Employer contribution / active EE | $4,290 | $5,214-17.7% | $4,288+0.1% | $5,055-15.1% |
| Participant deferral / active EE | $12,205 | $5,697+114.2% | $4,854+151.5% | $6,977+74.9% |
| Admin fee / account holder | $725 | $19,536-96.3% | $15,562-95.3% | $19,030-96.2% |