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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 | $117,864 | $139,948-15.8% | $121,663-3.1% | $154,746-23.8% |
| Participation rate | 86.4% | 78.0%+8.4pp | 74.5%+11.9pp | 80.7%+5.7pp |
| Annual return | 16.49% | 230.52%-214.0pp | 147.54%-131.0pp | 172.34%-155.8pp |
| Employer contribution / active EE | $1,403 | $3,521-60.2% | $3,020-53.5% | $4,379-68.0% |
| Participant deferral / active EE | $3,417 | $5,629-39.3% | $4,887-30.1% | $6,730-49.2% |
| Admin fee / account holder | $3,760 | $17,321-78.3% | $14,289-73.7% | $14,365-73.8% |