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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 | $126,661+13.0% | $113,397+26.2% | $138,895+3.0% |
| Participation rate | 88.9% | 79.4%+9.4pp | 76.5%+12.4pp | 79.9%+9.0pp |
| Annual return | 15.41% | 25.05%-9.6pp | 23.20%-7.8pp | 145.39%-130.0pp |
| Employer contribution / active EE | $3,300 | $3,456-4.5% | $2,977+10.8% | $4,194-21.3% |
| Participant deferral / active EE | $6,706 | $5,693+17.8% | $5,076+32.1% | $6,396+4.8% |
| Admin fee / account holder | $1,579 | $14,549-89.1% | $11,957-86.8% | $12,562-87.4% |