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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 | $137,971 | $107,666+28.1% | $102,184+35.0% | $154,746-10.8% |
| Participation rate | 75.0% | 83.7%-8.7pp | 82.6%-7.6pp | 80.7%-5.7pp |
| Annual return | 14.78% | 29.33%-14.5pp | 31.58%-16.8pp | 172.34%-157.6pp |
| Employer contribution / active EE | $4,092 | $3,846+6.4% | $3,594+13.9% | $4,379-6.6% |
| Participant deferral / active EE | $16,449 | $8,719+88.7% | $8,309+98.0% | $6,730+144.4% |
| Admin fee / account holder | $427 | $12,943-96.7% | $11,609-96.3% | $14,365-97.0% |