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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 | $130,398 | $126,661+3.0% | $113,397+15.0% | $138,895-6.1% |
| Participation rate | 85.7% | 79.4%+6.3pp | 76.5%+9.2pp | 79.9%+5.8pp |
| Annual return | 14.24% | 25.05%-10.8pp | 23.20%-9.0pp | 145.39%-131.2pp |
| Employer contribution / active EE | $2,684 | $3,456-22.3% | $2,977-9.9% | $4,194-36.0% |
| Participant deferral / active EE | $4,166 | $5,693-26.8% | $5,076-17.9% | $6,396-34.9% |
| Admin fee / account holder | $4,796 | $14,549-67.0% | $11,957-59.9% | $12,562-61.8% |