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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 | $132,407 | $136,860-3.3% | $120,344+10.0% | $154,746-14.4% |
| Participation rate | 91.7% | 79.9%+11.8pp | 76.7%+15.0pp | 80.7%+11.0pp |
| Annual return | 20.48% | 21.38%-0.9pp | 20.30%+0.2pp | 172.34%-151.9pp |
| Employer contribution / active EE | $3,464 | $3,533-2.0% | $3,020+14.7% | $4,379-20.9% |
| Participant deferral / active EE | $10,330 | $5,793+78.3% | $5,135+101.2% | $6,730+53.5% |
| Admin fee / account holder | $2,371 | $15,393-84.6% | $12,742-81.4% | $14,365-83.5% |