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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 | $127,330 | $100,970+26.1% | $96,576+31.8% | $137,256-7.2% |
| Participation rate | 83.3% | 82.6%+0.7pp | 81.4%+1.9pp | 80.0%+3.4pp |
| Annual return | 14.27% | 38.16%-23.9pp | 38.47%-24.2pp | 220.34%-206.1pp |
| Employer contribution / active EE | $3,527 | $3,809-7.4% | $3,553-0.7% | $4,156-15.1% |
| Participant deferral / active EE | $10,593 | $8,286+27.8% | $7,956+33.1% | $6,407+65.3% |
| Admin fee / account holder | $408 | $11,312-96.4% | $11,381-96.4% | $12,270-96.7% |