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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 | $120,420 | $111,814+7.7% | $103,378+16.5% | $145,978-17.5% |
| Participation rate | 91.7% | 77.9%+13.7pp | 74.5%+17.2pp | 80.3%+11.4pp |
| Annual return | 12.98% | 24.80%-11.8pp | 24.91%-11.9pp | 550.52%-537.5pp |
| Employer contribution / active EE | $3,296 | $4,215-21.8% | $3,870-14.8% | $4,662-29.3% |
| Participant deferral / active EE | $4,388 | $5,618-21.9% | $5,058-13.2% | $6,690-34.4% |
| Admin fee / account holder | $956 | $9,764-90.2% | $8,401-88.6% | $13,400-92.9% |