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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 | $117,817 | $161,352-27.0% | $134,172-12.2% | $137,256-14.2% |
| Participation rate | 85.7% | 78.3%+7.4pp | 72.5%+13.2pp | 80.0%+5.8pp |
| Annual return | 19.58% | 28.72%-9.1pp | 25.30%-5.7pp | 220.34%-200.8pp |
| Employer contribution / active EE | $1,243 | $4,099-69.7% | $3,420-63.7% | $4,156-70.1% |
| Participant deferral / active EE | $7,883 | $5,552+42.0% | $4,690+68.1% | $6,407+23.0% |
| Admin fee / account holder | $1,195 | $15,028-92.0% | $12,016-90.1% | $12,270-90.3% |