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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 | $138,269 | $106,749+29.5% | $145,433-4.9% | $82,448+67.7% |
| Participation rate | 95.1% | 75.6%+19.4pp | 82.1%+13.0pp | 68.1%+27.0pp |
| Annual return | 15.47% | 27.59%-12.1pp | 66.58%-51.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $3,730 | $3,444+8.3% | $4,554-18.1% | $2,551+46.2% |
| Participant deferral / active EE | $7,816 | $6,519+19.9% | $7,897-1.0% | $4,139+88.8% |
| Admin fee / account holder | $11,581 | $8,390+38.0% | $13,129-11.8% | $7,234+60.1% |