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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 | $128,887 | $135,956-5.2% | $123,894+4.0% | $273,972-53.0% |
| Participation rate | 86.7% | 84.1%+2.6pp | 81.4%+5.3pp | 83.0%+3.7pp |
| Annual return | 7.43% | 56.63%-49.2pp | 47.52%-40.1pp | 41.46%-34.0pp |
| Employer contribution / active EE | $3,911 | $5,170-24.4% | $4,617-15.3% | $4,869-19.7% |
| Participant deferral / active EE | $9,811 | $6,343+54.7% | $5,984+63.9% | $5,287+85.6% |
| Admin fee / account holder | $2,581 | $9,817-73.7% | $8,357-69.1% | $10,133-74.5% |