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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 | $104,435 | $115,225-9.4% | $100,712+3.7% | $138,895-24.8% |
| Participation rate | 83.3% | 74.3%+9.0pp | 69.3%+14.1pp | 79.9%+3.4pp |
| Annual return | 14.22% | 40.35%-26.1pp | 33.27%-19.0pp | 145.39%-131.2pp |
| Employer contribution / active EE | $2,436 | $2,771-12.1% | $2,313+5.3% | $4,194-41.9% |
| Participant deferral / active EE | $5,458 | $4,699+16.2% | $4,085+33.6% | $6,396-14.7% |
| Admin fee / account holder | $9,594 | $10,844-11.5% | $9,256+3.6% | $12,562-23.6% |