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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 | $111,814+12.1% | $103,378+21.3% | $145,978-14.1% |
| Participation rate | 92.3% | 77.9%+14.4pp | 74.5%+17.8pp | 80.3%+12.0pp |
| Annual return | 12.85% | 24.80%-11.9pp | 24.91%-12.1pp | 550.52%-537.7pp |
| Employer contribution / active EE | $2,755 | $4,215-34.6% | $3,870-28.8% | $4,662-40.9% |
| Participant deferral / active EE | $8,520 | $5,618+51.7% | $5,058+68.5% | $6,690+27.4% |
| Admin fee / account holder | $2,939 | $9,764-69.9% | $8,401-65.0% | $13,400-78.1% |