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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 | $109,559 | $107,809+1.6% | $97,032+12.9% | $155,188-29.4% |
| Participation rate | 71.4% | 75.5%-4.0pp | 71.6%-0.1pp | 80.8%-9.4pp |
| Annual return | 22.55% | 38.06%-15.5pp | 35.38%-12.8pp | 148.84%-126.3pp |
| Employer contribution / active EE | $4,088 | $2,911+40.4% | $2,629+55.5% | $4,248-3.8% |
| Participant deferral / active EE | $11,536 | $5,129+124.9% | $4,672+146.9% | $6,531+76.6% |
| Admin fee / account holder | $1,216 | $10,717-88.7% | $9,418-87.1% | $14,480-91.6% |