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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 | $137,338 | $106,749+28.7% | $145,433-5.6% | $82,448+66.6% |
| Participation rate | 96.7% | 75.6%+21.0pp | 82.1%+14.5pp | 68.1%+28.6pp |
| Annual return | 17.62% | 27.59%-10.0pp | 66.58%-49.0pp | 41.64%-24.0pp |
| Employer contribution / active EE | $4,033 | $3,444+17.1% | $4,554-11.5% | $2,551+58.1% |
| Participant deferral / active EE | $9,653 | $6,519+48.1% | $7,897+22.2% | $4,139+133.2% |
| Admin fee / account holder | $2,267 | $8,390-73.0% | $13,129-82.7% | $7,234-68.7% |