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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 | $119,101 | $126,661-6.0% | $113,397+5.0% | $138,895-14.3% |
| Participation rate | 91.7% | 79.4%+12.2pp | 76.5%+15.2pp | 79.9%+11.7pp |
| Annual return | 13.62% | 25.05%-11.4pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $2,679 | $3,456-22.5% | $2,977-10.0% | $4,194-36.1% |
| Participant deferral / active EE | $4,653 | $5,693-18.3% | $5,076-8.3% | $6,396-27.3% |
| Admin fee / account holder | $5,769 | $14,549-60.3% | $11,957-51.8% | $12,562-54.1% |