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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 | $128,367 | $124,425+3.2% | $112,040+14.6% | $137,256-6.5% |
| Participation rate | 92.9% | 79.3%+13.5pp | 76.5%+16.4pp | 80.0%+12.9pp |
| Annual return | 13.03% | 24.72%-11.7pp | 24.52%-11.5pp | 220.34%-207.3pp |
| Employer contribution / active EE | $1,064 | $3,411-68.8% | $2,954-64.0% | $4,156-74.4% |
| Participant deferral / active EE | $3,269 | $5,718-42.8% | $5,098-35.9% | $6,407-49.0% |
| Admin fee / account holder | $4,790 | $15,207-68.5% | $12,098-60.4% | $12,270-61.0% |