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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 | $117,741 | $124,425-5.4% | $112,040+5.1% | $137,256-14.2% |
| Participation rate | 90.9% | 79.3%+11.6pp | 76.5%+14.4pp | 80.0%+10.9pp |
| Annual return | 16.74% | 24.72%-8.0pp | 24.52%-7.8pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,648 | $3,411+6.9% | $2,954+23.5% | $4,156-12.2% |
| Participant deferral / active EE | $4,196 | $5,718-26.6% | $5,098-17.7% | $6,407-34.5% |
| Admin fee / account holder | $879 | $15,207-94.2% | $12,098-92.7% | $12,270-92.8% |