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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 | $133,980 | $124,425+7.7% | $112,040+19.6% | $137,256-2.4% |
| Participation rate | 72.7% | 79.3%-6.6pp | 76.5%-3.8pp | 80.0%-7.2pp |
| Annual return | 18.21% | 24.72%-6.5pp | 24.52%-6.3pp | 220.34%-202.1pp |
| Employer contribution / active EE | $5,862 | $3,411+71.8% | $2,954+98.4% | $4,156+41.0% |
| Participant deferral / active EE | $7,513 | $5,718+31.4% | $5,098+47.4% | $6,407+17.3% |
| Admin fee / account holder | $9,687 | $15,207-36.3% | $12,098-19.9% | $12,270-21.0% |