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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 | $132,831 | $139,948-5.1% | $121,663+9.2% | $154,746-14.2% |
| Participation rate | 81.8% | 78.0%+3.8pp | 74.5%+7.3pp | 80.7%+1.1pp |
| Annual return | 13.90% | 230.52%-216.6pp | 147.54%-133.6pp | 172.34%-158.4pp |
| Employer contribution / active EE | $2,272 | $3,521-35.5% | $3,020-24.8% | $4,379-48.1% |
| Participant deferral / active EE | $9,172 | $5,629+62.9% | $4,887+87.7% | $6,730+36.3% |
| Admin fee / account holder | $8,514 | $17,321-50.8% | $14,289-40.4% | $14,365-40.7% |