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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 | $115,329 | $126,661-8.9% | $113,397+1.7% | $138,895-17.0% |
| Participation rate | 90.9% | 79.4%+11.5pp | 76.5%+14.4pp | 79.9%+11.0pp |
| Annual return | 16.77% | 25.05%-8.3pp | 23.20%-6.4pp | 145.39%-128.6pp |
| Employer contribution / active EE | $2,550 | $3,456-26.2% | $2,977-14.3% | $4,194-39.2% |
| Participant deferral / active EE | $8,015 | $5,693+40.8% | $5,076+57.9% | $6,396+25.3% |
| Admin fee / account holder | $2,971 | $14,549-79.6% | $11,957-75.2% | $12,562-76.3% |