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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 | $127,122 | $117,904+7.8% | $102,457+24.1% | $145,978-12.9% |
| Participation rate | 70.0% | 78.6%-8.6pp | 76.5%-6.5pp | 80.3%-10.3pp |
| Annual return | 13.04% | 31.80%-18.8pp | 29.41%-16.4pp | 550.52%-537.5pp |
| Employer contribution / active EE | $3,227 | $3,613-10.7% | $3,022+6.8% | $4,662-30.8% |
| Participant deferral / active EE | $7,955 | $5,733+38.7% | $5,054+57.4% | $6,690+18.9% |
| Admin fee / account holder | $523 | $13,329-96.1% | $9,451-94.5% | $13,400-96.1% |