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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 | $134,595 | $112,729+19.4% | $98,716+36.3% | $137,256-1.9% |
| Participation rate | 92.9% | 74.2%+18.6pp | 69.3%+23.6pp | 80.0%+12.9pp |
| Annual return | 19.00% | 38.48%-19.5pp | 31.81%-12.8pp | 220.34%-201.3pp |
| Employer contribution / active EE | $4,126 | $2,725+51.4% | $2,279+81.1% | $4,156-0.7% |
| Participant deferral / active EE | $11,668 | $4,640+151.5% | $4,048+188.3% | $6,407+82.1% |
| Admin fee / account holder | $1,167 | $10,129-88.5% | $8,703-86.6% | $12,270-90.5% |