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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 | $102,119 | $103,164-1.0% | $90,259+13.1% | $154,746-34.0% |
| Participation rate | 75.0% | 76.1%-1.1pp | 70.7%+4.3pp | 80.7%-5.7pp |
| Annual return | 18.03% | 19.25%-1.2pp | 18.88%-0.8pp | 172.34%-154.3pp |
| Employer contribution / active EE | $4,130 | $2,532+63.1% | $2,291+80.2% | $4,379-5.7% |
| Participant deferral / active EE | $4,466 | $4,422+1.0% | $3,827+16.7% | $6,730-33.6% |
| Admin fee / account holder | $4,612 | $8,593-46.3% | $7,267-36.5% | $14,365-67.9% |