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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 | $131,258 | $117,904+11.3% | $102,457+28.1% | $145,978-10.1% |
| Participation rate | 95.0% | 78.6%+16.4pp | 76.5%+18.5pp | 80.3%+14.7pp |
| Annual return | 13.92% | 31.80%-17.9pp | 29.41%-15.5pp | 550.52%-536.6pp |
| Employer contribution / active EE | $2,443 | $3,613-32.4% | $3,022-19.2% | $4,662-47.6% |
| Participant deferral / active EE | $4,465 | $5,733-22.1% | $5,054-11.7% | $6,690-33.3% |
| Admin fee / account holder | $3,055 | $13,329-77.1% | $9,451-67.7% | $13,400-77.2% |