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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 | $129,403 | $167,415-22.7% | $140,514-7.9% | $198,609-34.8% |
| Participation rate | 91.7% | 80.9%+10.8pp | 77.8%+13.9pp | 82.4%+9.3pp |
| Annual return | 18.53% | 13.85%+4.7pp | 14.36%+4.2pp | 202.70%-184.2pp |
| Employer contribution / active EE | $1,483 | $4,088-63.7% | $3,378-56.1% | $5,055-70.7% |
| Participant deferral / active EE | $7,624 | $5,579+36.6% | $4,919+55.0% | $6,977+9.3% |
| Admin fee / account holder | $1,288 | $16,730-92.3% | $13,697-90.6% | $19,030-93.2% |