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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 | $124,980-9.7% | $108,359+4.2% | $154,746-27.1% |
| Participation rate | 85.7% | 75.2%+10.5pp | 70.1%+15.6pp | 80.7%+5.0pp |
| Annual return | 13.47% | 45.00%-31.5pp | 36.89%-23.4pp | 172.34%-158.9pp |
| Employer contribution / active EE | $2,764 | $2,851-3.0% | $2,399+15.2% | $4,379-36.9% |
| Participant deferral / active EE | $4,889 | $4,743+3.1% | $4,137+18.2% | $6,730-27.4% |
| Admin fee / account holder | $8,419 | $11,502-26.8% | $9,741-13.6% | $14,365-41.4% |