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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 | $130,565 | $102,609+27.2% | $98,090+33.1% | $138,895-6.0% |
| Participation rate | 77.8% | 82.8%-5.0pp | 81.5%-3.8pp | 79.9%-2.1pp |
| Annual return | 15.30% | 36.44%-21.1pp | 37.05%-21.7pp | 145.39%-130.1pp |
| Employer contribution / active EE | $3,773 | $3,867-2.4% | $3,606+4.6% | $4,194-10.0% |
| Participant deferral / active EE | $8,715 | $8,167+6.7% | $7,845+11.1% | $6,396+36.2% |
| Admin fee / account holder | $2,807 | $11,434-75.5% | $11,815-76.2% | $12,562-77.7% |