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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 | $104,415 | $88,996+17.3% | $78,004+33.9% | $138,895-24.8% |
| Participation rate | 84.2% | 74.4%+9.9pp | 69.4%+14.8pp | 79.9%+4.3pp |
| Annual return | 18.60% | 28.03%-9.4pp | 31.07%-12.5pp | 145.39%-126.8pp |
| Employer contribution / active EE | $3,569 | $2,917+22.4% | $2,469+44.6% | $4,194-14.9% |
| Participant deferral / active EE | $6,658 | $4,724+40.9% | $4,092+62.7% | $6,396+4.1% |
| Admin fee / account holder | $360 | $8,807-95.9% | $7,578-95.3% | $12,562-97.1% |