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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 | $112,871 | $112,729+0.1% | $98,716+14.3% | $137,256-17.8% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.3%+16.4pp | 80.0%+5.8pp |
| Annual return | 13.47% | 38.48%-25.0pp | 31.81%-18.3pp | 220.34%-206.9pp |
| Employer contribution / active EE | $2,764 | $2,725+1.4% | $2,279+21.3% | $4,156-33.5% |
| Participant deferral / active EE | $4,889 | $4,640+5.4% | $4,048+20.8% | $6,407-23.7% |
| Admin fee / account holder | $8,419 | $10,129-16.9% | $8,703-3.3% | $12,270-31.4% |