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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 | $141,316 | $138,312+2.2% | $122,979+14.9% | $155,188-8.9% |
| Participation rate | 90.0% | 80.2%+9.8pp | 77.2%+12.8pp | 80.8%+9.2pp |
| Annual return | 9.83% | 22.06%-12.2pp | 20.12%-10.3pp | 148.84%-139.0pp |
| Employer contribution / active EE | $1,637 | $3,530-53.6% | $3,062-46.5% | $4,248-61.5% |
| Participant deferral / active EE | $11,357 | $5,592+103.1% | $5,003+127.0% | $6,531+73.9% |
| Admin fee / account holder | $998 | $15,089-93.4% | $12,864-92.2% | $14,480-93.1% |