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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 | $132,875 | $146,267-9.2% | $197,124-32.6% | $82,448+61.2% |
| Participation rate | 96.4% | 84.0%+12.4pp | 86.7%+9.7pp | 68.1%+28.4pp |
| Annual return | 17.68% | 29.61%-11.9pp | 44.34%-26.7pp | 41.64%-24.0pp |
| Employer contribution / active EE | $5,284 | $4,723+11.9% | $6,227-15.1% | $2,551+107.2% |
| Participant deferral / active EE | $11,285 | $7,035+60.4% | $9,135+23.5% | $4,139+172.6% |
| Admin fee / account holder | $2,901 | $14,422-79.9% | $16,298-82.2% | $7,234-59.9% |