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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 | $134,077 | $178,174-24.7% | $156,181-14.2% | $137,256-2.3% |
| Participation rate | 84.2% | 82.0%+2.2pp | 78.8%+5.4pp | 80.0%+4.3pp |
| Annual return | 25.76% | 84.19%-58.4pp | 64.87%-39.1pp | 220.34%-194.6pp |
| Employer contribution / active EE | $1,504 | $4,972-69.7% | $4,294-65.0% | $4,156-63.8% |
| Participant deferral / active EE | $9,244 | $6,888+34.2% | $6,132+50.7% | $6,407+44.3% |
| Admin fee / account holder | $1,283 | $17,404-92.6% | $14,586-91.2% | $12,270-89.5% |