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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 | $128,893 | $149,679-13.9% | $117,039+10.1% | $147,585-12.7% |
| Participation rate | 84.2% | 83.5%+0.7pp | 77.2%+7.0pp | 82.8%+1.4pp |
| Annual return | 12.60% | 19.31%-6.7pp | 18.95%-6.3pp | 578.58%-566.0pp |
| Employer contribution / active EE | $3,158 | $4,937-36.0% | $3,785-16.6% | $4,876-35.2% |
| Participant deferral / active EE | $6,276 | $4,912+27.8% | $3,929+59.7% | $5,439+15.4% |
| Admin fee / account holder | $3,970 | $7,856-49.5% | $5,974-33.6% | $10,886-63.5% |