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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 | $109,683 | $103,164+6.3% | $90,259+21.5% | $154,746-29.1% |
| Participation rate | 87.5% | 76.1%+11.4pp | 70.7%+16.8pp | 80.7%+6.8pp |
| Annual return | 11.23% | 19.25%-8.0pp | 18.88%-7.7pp | 172.34%-161.1pp |
| Employer contribution / active EE | $3,265 | $2,532+29.0% | $2,291+42.5% | $4,379-25.5% |
| Participant deferral / active EE | $3,369 | $4,422-23.8% | $3,827-12.0% | $6,730-49.9% |
| Admin fee / account holder | $5,139 | $8,593-40.2% | $7,267-29.3% | $14,365-64.2% |