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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 | $120,656 | $124,425-3.0% | $112,040+7.7% | $137,256-12.1% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 17.81% | 24.72%-6.9pp | 24.52%-6.7pp | 220.34%-202.5pp |
| Employer contribution / active EE | $3,466 | $3,411+1.6% | $2,954+17.3% | $4,156-16.6% |
| Participant deferral / active EE | $4,559 | $5,718-20.3% | $5,098-10.6% | $6,407-28.8% |
| Admin fee / account holder | $4,198 | $15,207-72.4% | $12,098-65.3% | $12,270-65.8% |