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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 | $114,890 | $126,661-9.3% | $113,397+1.3% | $138,895-17.3% |
| Participation rate | 94.7% | 79.4%+15.3pp | 76.5%+18.2pp | 79.9%+14.8pp |
| Annual return | 19.31% | 25.05%-5.7pp | 23.20%-3.9pp | 145.39%-126.1pp |
| Employer contribution / active EE | $3,811 | $3,456+10.3% | $2,977+28.0% | $4,194-9.1% |
| Participant deferral / active EE | $10,038 | $5,693+76.3% | $5,076+97.7% | $6,396+56.9% |
| Admin fee / account holder | $2,395 | $14,549-83.5% | $11,957-80.0% | $12,562-80.9% |