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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 | $114,947 | $106,524+7.9% | $152,301-24.5% | $87,485+31.4% |
| Participation rate | 94.3% | 75.8%+18.5pp | 82.4%+11.8pp | 68.9%+25.4pp |
| Annual return | 15.38% | 26.89%-11.5pp | 80.50%-65.1pp | 26.06%-10.7pp |
| Employer contribution / active EE | $3,555 | $3,371+5.4% | $4,624-23.1% | $2,596+36.9% |
| Participant deferral / active EE | $8,958 | $6,525+37.3% | $8,004+11.9% | $4,274+109.6% |
| Admin fee / account holder | $11,865 | $8,287+43.2% | $14,398-17.6% | $7,775+52.6% |