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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 | $161,352-5.4% | $134,172+13.8% | $137,256+11.2% |
| Participation rate | 84.6% | 78.3%+6.3pp | 72.5%+12.1pp | 80.0%+4.7pp |
| Annual return | 14.43% | 28.72%-14.3pp | 25.30%-10.9pp | 220.34%-205.9pp |
| Employer contribution / active EE | $4,290 | $4,099+4.7% | $3,420+25.4% | $4,156+3.2% |
| Participant deferral / active EE | $12,205 | $5,552+119.8% | $4,690+160.2% | $6,407+90.5% |
| Admin fee / account holder | $725 | $15,028-95.2% | $12,016-94.0% | $12,270-94.1% |