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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 | $134,323 | $135,956-1.2% | $123,894+8.4% | $273,972-51.0% |
| Participation rate | 93.3% | 84.1%+9.3pp | 81.4%+11.9pp | 83.0%+10.3pp |
| Annual return | 8.50% | 56.63%-48.1pp | 47.52%-39.0pp | 41.46%-33.0pp |
| Employer contribution / active EE | $3,278 | $5,170-36.6% | $4,617-29.0% | $4,869-32.7% |
| Participant deferral / active EE | $7,855 | $6,343+23.8% | $5,984+31.3% | $5,287+48.6% |
| Admin fee / account holder | $524 | $9,817-94.7% | $8,357-93.7% | $10,133-94.8% |