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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 | $127,943 | $111,535+14.7% | $105,223+21.6% | $137,256-6.8% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 80.0%+5.8pp |
| Annual return | 21.37% | 237.85%-216.5pp | 180.65%-159.3pp | 220.34%-199.0pp |
| Employer contribution / active EE | $2,594 | $3,939-34.1% | $3,689-29.7% | $4,156-37.6% |
| Participant deferral / active EE | $9,183 | $5,500+67.0% | $5,072+81.1% | $6,407+43.3% |
| Admin fee / account holder | $1,059 | $9,721-89.1% | $8,859-88.0% | $12,270-91.4% |