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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 | $138,312-7.7% | $122,979+3.8% | $155,188-17.8% |
| Participation rate | 95.0% | 80.2%+14.8pp | 77.2%+17.8pp | 80.8%+14.2pp |
| Annual return | 19.15% | 22.06%-2.9pp | 20.12%-1.0pp | 148.84%-129.7pp |
| Employer contribution / active EE | $4,705 | $3,530+33.3% | $3,062+53.6% | $4,248+10.8% |
| Participant deferral / active EE | $3,642 | $5,592-34.9% | $5,003-27.2% | $6,531-44.2% |
| Admin fee / account holder | $3,324 | $15,089-78.0% | $12,864-74.2% | $14,480-77.0% |