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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 | $124,136 | $117,859+5.3% | $102,438+21.2% | $145,959-15.0% |
| Participation rate | 83.3% | 78.6%+4.7pp | 76.5%+6.8pp | 80.3%+3.0pp |
| Annual return | 12.53% | 31.72%-19.2pp | 29.37%-16.8pp | 561.95%-549.4pp |
| Employer contribution / active EE | $4,145 | $3,615+14.7% | $3,024+37.1% | $4,661-11.1% |
| Participant deferral / active EE | $17,955 | $5,732+213.2% | $5,054+255.3% | $6,689+168.4% |
| Admin fee / account holder | $1,426 | $13,318-89.3% | $9,448-84.9% | $13,398-89.4% |