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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 | $87,152 | $80,983+7.6% | $96,544-9.7% | $75,177+15.9% |
| Participation rate | 70.6% | 71.8%-1.2pp | 76.0%-5.4pp | 67.2%+3.4pp |
| Annual return | 18.35% | 27.05%-8.7pp | 25.88%-7.5pp | 160.75%-142.4pp |
| Employer contribution / active EE | $3,418 | $2,282+49.7% | $2,966+15.2% | $2,671+28.0% |
| Participant deferral / active EE | $9,026 | $3,929+129.8% | $4,851+86.0% | $4,126+118.7% |
| Admin fee / account holder | $5,529 | $6,717-17.7% | $8,254-33.0% | $5,651-2.2% |