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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 | $129,373 | $135,956-4.8% | $123,894+4.4% | $273,972-52.8% |
| Participation rate | 85.7% | 84.1%+1.7pp | 81.4%+4.3pp | 83.0%+2.7pp |
| Annual return | 4.37% | 56.63%-52.3pp | 47.52%-43.1pp | 41.46%-37.1pp |
| Employer contribution / active EE | $6,216 | $5,170+20.2% | $4,617+34.6% | $4,869+27.7% |
| Participant deferral / active EE | $7,500 | $6,343+18.2% | $5,984+25.3% | $5,287+41.9% |
| Admin fee / account holder | $4,500 | $9,817-54.2% | $8,357-46.2% | $10,133-55.6% |