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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 | $112,959 | $106,749+5.8% | $145,433-22.3% | $82,448+37.0% |
| Participation rate | 96.4% | 75.6%+20.8pp | 82.1%+14.3pp | 68.1%+28.4pp |
| Annual return | 27.43% | 27.59%-0.2pp | 66.58%-39.1pp | 41.64%-14.2pp |
| Employer contribution / active EE | $2,453 | $3,444-28.8% | $4,554-46.1% | $2,551-3.8% |
| Participant deferral / active EE | $9,489 | $6,519+45.6% | $7,897+20.2% | $4,139+129.2% |
| Admin fee / account holder | $2,141 | $8,390-74.5% | $13,129-83.7% | $7,234-70.4% |