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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 | $125,600 | $106,749+17.7% | $145,433-13.6% | $82,448+52.3% |
| Participation rate | 86.7% | 75.6%+11.0pp | 82.1%+4.5pp | 68.1%+18.6pp |
| Annual return | 16.61% | 27.59%-11.0pp | 66.58%-50.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,859 | $3,444-46.0% | $4,554-59.2% | $2,551-27.1% |
| Participant deferral / active EE | $8,255 | $6,519+26.6% | $7,897+4.5% | $4,139+99.4% |
| Admin fee / account holder | $2,400 | $8,390-71.4% | $13,129-81.7% | $7,234-66.8% |