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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 | $117,456 | $124,425-5.6% | $112,040+4.8% | $137,256-14.4% |
| Participation rate | 88.9% | 79.3%+9.6pp | 76.5%+12.4pp | 80.0%+8.9pp |
| Annual return | 11.61% | 24.72%-13.1pp | 24.52%-12.9pp | 220.34%-208.7pp |
| Employer contribution / active EE | $3,708 | $3,411+8.7% | $2,954+25.5% | $4,156-10.8% |
| Participant deferral / active EE | $8,591 | $5,718+50.2% | $5,098+68.5% | $6,407+34.1% |
| Admin fee / account holder | $2,027 | $15,207-86.7% | $12,098-83.2% | $12,270-83.5% |