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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 | $125,348 | $110,379+13.6% | $102,412+22.4% | $145,884-14.1% |
| Participation rate | 92.3% | 77.9%+14.4pp | 74.5%+17.8pp | 80.3%+12.0pp |
| Annual return | 12.85% | 24.84%-12.0pp | 24.94%-12.1pp | 551.85%-539.0pp |
| Employer contribution / active EE | $2,755 | $4,216-34.7% | $3,870-28.8% | $4,662-40.9% |
| Participant deferral / active EE | $8,520 | $5,622+51.6% | $5,060+68.4% | $6,690+27.4% |
| Admin fee / account holder | $2,939 | $9,745-69.8% | $8,388-65.0% | $13,392-78.1% |