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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 | $127,961 | $124,425+2.8% | $112,040+14.2% | $137,256-6.8% |
| Participation rate | 72.2% | 79.3%-7.1pp | 76.5%-4.3pp | 80.0%-7.7pp |
| Annual return | 16.78% | 24.72%-7.9pp | 24.52%-7.7pp | 220.34%-203.6pp |
| Employer contribution / active EE | $5,648 | $3,411+65.6% | $2,954+91.2% | $4,156+35.9% |
| Participant deferral / active EE | $7,352 | $5,718+28.6% | $5,098+44.2% | $6,407+14.8% |
| Admin fee / account holder | $24,188 | $15,207+59.1% | $12,098+99.9% | $12,270+97.1% |