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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 | $136,860-11.8% | $120,344+0.3% | $154,746-22.0% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 17.81% | 21.38%-3.6pp | 20.30%-2.5pp | 172.34%-154.5pp |
| Employer contribution / active EE | $3,466 | $3,533-1.9% | $3,020+14.8% | $4,379-20.9% |
| Participant deferral / active EE | $4,559 | $5,793-21.3% | $5,135-11.2% | $6,730-32.3% |
| Admin fee / account holder | $4,198 | $15,393-72.7% | $12,742-67.1% | $14,365-70.8% |