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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 | $127,628 | $167,415-23.8% | $140,514-9.2% | $198,609-35.7% |
| Participation rate | 95.0% | 80.9%+14.1pp | 77.8%+17.2pp | 82.4%+12.6pp |
| Annual return | 19.15% | 13.85%+5.3pp | 14.36%+4.8pp | 202.70%-183.5pp |
| Employer contribution / active EE | $4,705 | $4,088+15.1% | $3,378+39.3% | $5,055-6.9% |
| Participant deferral / active EE | $3,642 | $5,579-34.7% | $4,919-26.0% | $6,977-47.8% |
| Admin fee / account holder | $3,324 | $16,730-80.1% | $13,697-75.7% | $19,030-82.5% |