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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 | $143,109 | $124,425+15.0% | $112,040+27.7% | $137,256+4.3% |
| Participation rate | 77.8% | 79.3%-1.5pp | 76.5%+1.3pp | 80.0%-2.2pp |
| Annual return | 14.37% | 24.72%-10.4pp | 24.52%-10.2pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,757 | $3,411-19.2% | $2,954-6.7% | $4,156-33.7% |
| Participant deferral / active EE | $4,483 | $5,718-21.6% | $5,098-12.0% | $6,407-30.0% |
| Admin fee / account holder | $19,392 | $15,207+27.5% | $12,098+60.3% | $12,270+58.0% |