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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 | $177,156-13.8% | $147,027+3.8% | $154,746-1.4% |
| Participation rate | 84.6% | 79.4%+5.3pp | 73.7%+10.9pp | 80.7%+3.9pp |
| Annual return | 14.43% | 21.94%-7.5pp | 20.23%-5.8pp | 172.34%-157.9pp |
| Employer contribution / active EE | $4,290 | $4,336-1.1% | $3,626+18.3% | $4,379-2.0% |
| Participant deferral / active EE | $12,205 | $5,797+110.5% | $4,933+147.4% | $6,730+81.3% |
| Admin fee / account holder | $725 | $14,904-95.1% | $12,223-94.1% | $14,365-95.0% |