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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 | $127,776 | $93,598+36.5% | $135,974-6.0% | $75,173+70.0% |
| Participation rate | 88.9% | 75.2%+13.7pp | 81.9%+7.0pp | 67.2%+21.7pp |
| Annual return | 16.37% | 30.89%-14.5pp | 68.30%-51.9pp | 160.72%-144.4pp |
| Employer contribution / active EE | $4,620 | $3,538+30.6% | $4,859-4.9% | $2,671+73.0% |
| Participant deferral / active EE | $11,361 | $6,405+77.4% | $7,760+46.4% | $4,126+175.3% |
| Admin fee / account holder | $935 | $6,978-86.6% | $10,767-91.3% | $5,651-83.5% |