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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 | $112,073 | $112,729-0.6% | $98,716+13.5% | $137,256-18.3% |
| Participation rate | 95.5% | 74.2%+21.2pp | 69.3%+26.2pp | 80.0%+15.5pp |
| Annual return | 13.12% | 38.48%-25.4pp | 31.81%-18.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $6,536 | $2,725+139.8% | $2,279+186.9% | $4,156+57.3% |
| Participant deferral / active EE | $4,179 | $4,640-9.9% | $4,048+3.3% | $6,407-34.8% |
| Admin fee / account holder | $2,240 | $10,129-77.9% | $8,703-74.3% | $12,270-81.7% |