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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 | $141,316 | $136,860+3.3% | $120,344+17.4% | $154,746-8.7% |
| Participation rate | 90.0% | 79.9%+10.1pp | 76.7%+13.3pp | 80.7%+9.3pp |
| Annual return | 9.83% | 21.38%-11.5pp | 20.30%-10.5pp | 172.34%-162.5pp |
| Employer contribution / active EE | $1,637 | $3,533-53.7% | $3,020-45.8% | $4,379-62.6% |
| Participant deferral / active EE | $11,357 | $5,793+96.0% | $5,135+121.2% | $6,730+68.7% |
| Admin fee / account holder | $998 | $15,393-93.5% | $12,742-92.2% | $14,365-93.1% |