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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 | $140,733 | $136,860+2.8% | $120,344+16.9% | $154,746-9.1% |
| Participation rate | 94.1% | 79.9%+14.2pp | 76.7%+17.4pp | 80.7%+13.4pp |
| Annual return | 20.41% | 21.38%-1.0pp | 20.30%+0.1pp | 172.34%-151.9pp |
| Employer contribution / active EE | $4,785 | $3,533+35.4% | $3,020+58.4% | $4,379+9.3% |
| Participant deferral / active EE | $9,481 | $5,793+63.6% | $5,135+84.6% | $6,730+40.9% |
| Admin fee / account holder | $2,514 | $15,393-83.7% | $12,742-80.3% | $14,365-82.5% |