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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 | $124,450 | $118,488+5.0% | $98,462+26.4% | $139,487-10.8% |
| Participation rate | 88.2% | 77.5%+10.8pp | 75.2%+13.1pp | 80.3%+7.9pp |
| Annual return | 10.17% | 18.96%-8.8pp | 21.17%-11.0pp | 373.84%-363.7pp |
| Employer contribution / active EE | $4,533 | $3,611+25.5% | $3,049+48.7% | $4,755-4.7% |
| Participant deferral / active EE | $6,938 | $5,393+28.6% | $4,738+46.4% | $6,713+3.4% |
| Admin fee / account holder | $4,521 | $13,868-67.4% | $8,875-49.1% | $11,407-60.4% |