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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 | $133,869 | $126,661+5.7% | $113,397+18.1% | $138,895-3.6% |
| Participation rate | 89.5% | 79.4%+10.0pp | 76.5%+13.0pp | 79.9%+9.6pp |
| Annual return | 16.42% | 25.05%-8.6pp | 23.20%-6.8pp | 145.39%-129.0pp |
| Employer contribution / active EE | $4,630 | $3,456+34.0% | $2,977+55.5% | $4,194+10.4% |
| Participant deferral / active EE | $12,494 | $5,693+119.5% | $5,076+146.1% | $6,396+95.3% |
| Admin fee / account holder | $10,650 | $14,549-26.8% | $11,957-10.9% | $12,562-15.2% |