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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 | $136,860-5.4% | $120,344+7.5% | $154,746-16.4% |
| Participation rate | 91.7% | 79.9%+11.8pp | 76.7%+15.0pp | 80.7%+11.0pp |
| Annual return | 18.53% | 21.38%-2.8pp | 20.30%-1.8pp | 172.34%-153.8pp |
| Employer contribution / active EE | $1,483 | $3,533-58.0% | $3,020-50.9% | $4,379-66.1% |
| Participant deferral / active EE | $7,624 | $5,793+31.6% | $5,135+48.5% | $6,730+13.3% |
| Admin fee / account holder | $1,288 | $15,393-91.6% | $12,742-89.9% | $14,365-91.0% |