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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 | $124,019 | $126,661-2.1% | $113,397+9.4% | $138,895-10.7% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.5%+6.8pp | 79.9%+3.4pp |
| Annual return | 12.15% | 25.05%-12.9pp | 23.20%-11.0pp | 145.39%-133.2pp |
| Employer contribution / active EE | $3,214 | $3,456-7.0% | $2,977+8.0% | $4,194-23.4% |
| Participant deferral / active EE | $11,193 | $5,693+96.6% | $5,076+120.5% | $6,396+75.0% |
| Admin fee / account holder | $952 | $14,549-93.5% | $11,957-92.0% | $12,562-92.4% |