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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 | $126,467 | $176,786-28.5% | $146,643-13.8% | $167,536-24.5% |
| Participation rate | 95.7% | 83.6%+12.0pp | 80.1%+15.6pp | 82.1%+13.5pp |
| Annual return | 29.56% | 24.04%+5.5pp | 22.75%+6.8pp | 478.82%-449.3pp |
| Employer contribution / active EE | $6,098 | $5,161+18.2% | $4,137+47.4% | $4,839+26.0% |
| Participant deferral / active EE | $4,136 | $6,440-35.8% | $5,506-24.9% | $6,342-34.8% |
| Admin fee / account holder | $3,675 | $13,262-72.3% | $10,280-64.3% | $12,315-70.2% |