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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 | $116,903 | $106,749+9.5% | $145,433-19.6% | $82,448+41.8% |
| Participation rate | 89.7% | 75.6%+14.0pp | 82.1%+7.5pp | 68.1%+21.6pp |
| Annual return | 15.58% | 27.59%-12.0pp | 66.58%-51.0pp | 41.64%-26.1pp |
| Employer contribution / active EE | $3,826 | $3,444+11.1% | $4,554-16.0% | $2,551+50.0% |
| Participant deferral / active EE | $8,388 | $6,519+28.7% | $7,897+6.2% | $4,139+102.6% |
| Admin fee / account holder | $1,251 | $8,390-85.1% | $13,129-90.5% | $7,234-82.7% |