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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 | $131,953 | $108,825+21.3% | $156,181-15.5% | $82,448+60.0% |
| Participation rate | 92.0% | 72.4%+19.6pp | 78.8%+13.2pp | 68.1%+23.9pp |
| Annual return | 16.07% | 20.59%-4.5pp | 64.87%-48.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $2,823 | $2,870-1.6% | $4,294-34.3% | $2,551+10.7% |
| Participant deferral / active EE | $6,541 | $4,577+42.9% | $6,132+6.7% | $4,139+58.0% |
| Admin fee / account holder | $2,779 | $9,341-70.2% | $14,586-80.9% | $7,234-61.6% |