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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 | $138,723 | $136,860+1.4% | $120,344+15.3% | $154,746-10.4% |
| Participation rate | 94.1% | 79.9%+14.2pp | 76.7%+17.4pp | 80.7%+13.4pp |
| Annual return | 19.41% | 21.38%-2.0pp | 20.30%-0.9pp | 172.34%-152.9pp |
| Employer contribution / active EE | $6,741 | $3,533+90.8% | $3,020+123.2% | $4,379+53.9% |
| Participant deferral / active EE | $7,316 | $5,793+26.3% | $5,135+42.5% | $6,730+8.7% |
| Admin fee / account holder | $1,964 | $15,393-87.2% | $12,742-84.6% | $14,365-86.3% |