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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 | $155,793 | $124,425+25.2% | $112,040+39.1% | $137,256+13.5% |
| Participation rate | 93.3% | 79.3%+14.0pp | 76.5%+16.8pp | 80.0%+13.4pp |
| Annual return | 13.62% | 24.72%-11.1pp | 24.52%-10.9pp | 220.34%-206.7pp |
| Employer contribution / active EE | $4,187 | $3,411+22.7% | $2,954+41.7% | $4,156+0.7% |
| Participant deferral / active EE | $6,327 | $5,718+10.6% | $5,098+24.1% | $6,407-1.2% |
| Admin fee / account holder | $938 | $15,207-93.8% | $12,098-92.2% | $12,270-92.4% |