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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 | $121,130 | $126,661-4.4% | $113,397+6.8% | $138,895-12.8% |
| Participation rate | 77.8% | 79.4%-1.7pp | 76.5%+1.3pp | 79.9%-2.1pp |
| Annual return | 13.69% | 25.05%-11.4pp | 23.20%-9.5pp | 145.39%-131.7pp |
| Employer contribution / active EE | $1,003 | $3,456-71.0% | $2,977-66.3% | $4,194-76.1% |
| Participant deferral / active EE | $2,689 | $5,693-52.8% | $5,076-47.0% | $6,396-58.0% |
| Admin fee / account holder | $3,851 | $14,549-73.5% | $11,957-67.8% | $12,562-69.3% |