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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 | $130,398 | $138,312-5.7% | $122,979+6.0% | $155,188-16.0% |
| Participation rate | 85.7% | 80.2%+5.5pp | 77.2%+8.5pp | 80.8%+4.9pp |
| Annual return | 14.24% | 22.06%-7.8pp | 20.12%-5.9pp | 148.84%-134.6pp |
| Employer contribution / active EE | $2,684 | $3,530-24.0% | $3,062-12.4% | $4,248-36.8% |
| Participant deferral / active EE | $4,166 | $5,592-25.5% | $5,003-16.7% | $6,531-36.2% |
| Admin fee / account holder | $4,796 | $15,089-68.2% | $12,864-62.7% | $14,480-66.9% |