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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 | $114,103 | $123,155-7.3% | $108,753+4.9% | $155,188-26.5% |
| Participation rate | 91.7% | 75.6%+16.0pp | 71.1%+20.6pp | 80.8%+10.9pp |
| Annual return | 37.88% | 44.73%-6.9pp | 37.47%+0.4pp | 148.84%-111.0pp |
| Employer contribution / active EE | $3,933 | $2,811+39.9% | $2,427+62.1% | $4,248-7.4% |
| Participant deferral / active EE | $5,029 | $4,623+8.8% | $4,115+22.2% | $6,531-23.0% |
| Admin fee / account holder | $566 | $12,126-95.3% | $10,320-94.5% | $14,480-96.1% |