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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 | $127,628 | $136,860-6.7% | $120,344+6.1% | $154,746-17.5% |
| Participation rate | 95.0% | 79.9%+15.1pp | 76.7%+18.3pp | 80.7%+14.3pp |
| Annual return | 19.15% | 21.38%-2.2pp | 20.30%-1.2pp | 172.34%-153.2pp |
| Employer contribution / active EE | $4,705 | $3,533+33.2% | $3,020+55.8% | $4,379+7.4% |
| Participant deferral / active EE | $3,642 | $5,793-37.1% | $5,135-29.1% | $6,730-45.9% |
| Admin fee / account holder | $3,324 | $15,393-78.4% | $12,742-73.9% | $14,365-76.9% |