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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 | $114,552 | $123,155-7.0% | $108,753+5.3% | $155,188-26.2% |
| Participation rate | 93.3% | 75.6%+17.7pp | 71.1%+22.2pp | 80.8%+12.5pp |
| Annual return | 15.99% | 44.73%-28.7pp | 37.47%-21.5pp | 148.84%-132.8pp |
| Employer contribution / active EE | $1,825 | $2,811-35.1% | $2,427-24.8% | $4,248-57.0% |
| Participant deferral / active EE | $3,713 | $4,623-19.7% | $4,115-9.8% | $6,531-43.2% |
| Admin fee / account holder | $1,123 | $12,126-90.7% | $10,320-89.1% | $14,480-92.2% |