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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 | $153,558 | $153,311+0.2% | $109,313+40.5% | $273,972-44.0% |
| Participation rate | 95.0% | 80.1%+14.9pp | 71.3%+23.7pp | 83.0%+12.0pp |
| Annual return | 7.23% | 29.86%-22.6pp | 22.07%-14.8pp | 41.46%-34.2pp |
| Employer contribution / active EE | $6,116 | $5,619+8.8% | $3,892+57.1% | $4,869+25.6% |
| Participant deferral / active EE | $6,384 | $3,932+62.4% | $3,166+101.6% | $5,287+20.7% |
| Admin fee / account holder | $10,320 | $8,076+27.8% | $5,666+82.1% | $10,133+1.8% |