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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 | $120,212 | $135,956-11.6% | $123,894-3.0% | $273,972-56.1% |
| Participation rate | 85.0% | 84.1%+0.9pp | 81.4%+3.6pp | 83.0%+2.0pp |
| Annual return | 8.57% | 56.63%-48.1pp | 47.52%-39.0pp | 41.46%-32.9pp |
| Employer contribution / active EE | $6,124 | $5,170+18.5% | $4,617+32.6% | $4,869+25.8% |
| Participant deferral / active EE | $8,776 | $6,343+38.4% | $5,984+46.7% | $5,287+66.0% |
| Admin fee / account holder | $3,225 | $9,817-67.2% | $8,357-61.4% | $10,133-68.2% |