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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 | $128,827 | $135,956-5.2% | $123,894+4.0% | $273,972-53.0% |
| Participation rate | 85.7% | 84.1%+1.7pp | 81.4%+4.3pp | 83.0%+2.7pp |
| Annual return | 8.74% | 56.63%-47.9pp | 47.52%-38.8pp | 41.46%-32.7pp |
| Employer contribution / active EE | $6,661 | $5,170+28.8% | $4,617+44.3% | $4,869+36.8% |
| Participant deferral / active EE | $7,954 | $6,343+25.4% | $5,984+32.9% | $5,287+50.4% |
| Admin fee / account holder | $958 | $9,817-90.2% | $8,357-88.5% | $10,133-90.5% |