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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 | $114,493 | $124,425-8.0% | $112,040+2.2% | $137,256-16.6% |
| Participation rate | 92.9% | 79.3%+13.5pp | 76.5%+16.4pp | 80.0%+12.9pp |
| Annual return | 16.94% | 24.72%-7.8pp | 24.52%-7.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $5,793 | $3,411+69.8% | $2,954+96.1% | $4,156+39.4% |
| Participant deferral / active EE | $7,737 | $5,718+35.3% | $5,098+51.8% | $6,407+20.8% |
| Admin fee / account holder | $1,531 | $15,207-89.9% | $12,098-87.3% | $12,270-87.5% |