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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 | $143,116 | $124,425+15.0% | $112,040+27.7% | $137,256+4.3% |
| Participation rate | 88.9% | 79.3%+9.6pp | 76.5%+12.4pp | 80.0%+8.9pp |
| Annual return | 15.41% | 24.72%-9.3pp | 24.52%-9.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $3,300 | $3,411-3.3% | $2,954+11.7% | $4,156-20.6% |
| Participant deferral / active EE | $6,706 | $5,718+17.3% | $5,098+31.6% | $6,407+4.7% |
| Admin fee / account holder | $1,579 | $15,207-89.6% | $12,098-86.9% | $12,270-87.1% |