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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 | $119,300 | $106,524+12.0% | $152,301-21.7% | $87,485+36.4% |
| Participation rate | 87.0% | 75.8%+11.3pp | 82.4%+4.6pp | 68.9%+18.1pp |
| Annual return | 18.56% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.5pp |
| Employer contribution / active EE | $4,824 | $3,371+43.1% | $4,624+4.3% | $2,596+85.8% |
| Participant deferral / active EE | $12,819 | $6,525+96.5% | $8,004+60.2% | $4,274+200.0% |
| Admin fee / account holder | $7,716 | $8,287-6.9% | $14,398-46.4% | $7,775-0.8% |