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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 | $118,128 | $106,524+10.9% | $152,301-22.4% | $87,485+35.0% |
| Participation rate | 94.6% | 75.8%+18.8pp | 82.4%+12.1pp | 68.9%+25.7pp |
| Annual return | 19.07% | 26.89%-7.8pp | 80.50%-61.4pp | 26.06%-7.0pp |
| Employer contribution / active EE | $3,978 | $3,371+18.0% | $4,624-14.0% | $2,596+53.2% |
| Participant deferral / active EE | $8,593 | $6,525+31.7% | $8,004+7.4% | $4,274+101.1% |
| Admin fee / account holder | $943 | $8,287-88.6% | $14,398-93.4% | $7,775-87.9% |