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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 | $105,424 | $112,729-6.5% | $98,716+6.8% | $137,256-23.2% |
| Participation rate | 81.3% | 74.2%+7.0pp | 69.3%+12.0pp | 80.0%+1.3pp |
| Annual return | 16.77% | 38.48%-21.7pp | 31.81%-15.0pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,517 | $2,725-7.7% | $2,279+10.4% | $4,156-39.4% |
| Participant deferral / active EE | $5,737 | $4,640+23.6% | $4,048+41.7% | $6,407-10.5% |
| Admin fee / account holder | $9,565 | $10,129-5.6% | $8,703+9.9% | $12,270-22.0% |