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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 | $124,425+2.6% | $112,040+13.9% | $137,256-7.0% |
| Participation rate | 95.0% | 79.3%+15.7pp | 76.5%+18.5pp | 80.0%+15.0pp |
| Annual return | 19.15% | 24.72%-5.6pp | 24.52%-5.4pp | 220.34%-201.2pp |
| Employer contribution / active EE | $4,705 | $3,411+37.9% | $2,954+59.3% | $4,156+13.2% |
| Participant deferral / active EE | $3,642 | $5,718-36.3% | $5,098-28.6% | $6,407-43.2% |
| Admin fee / account holder | $3,324 | $15,207-78.1% | $12,098-72.5% | $12,270-72.9% |