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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 | $153,914 | $161,352-4.6% | $134,172+14.7% | $137,256+12.1% |
| Participation rate | 86.7% | 78.3%+8.4pp | 72.5%+14.2pp | 80.0%+6.7pp |
| Annual return | 19.94% | 28.72%-8.8pp | 25.30%-5.4pp | 220.34%-200.4pp |
| Employer contribution / active EE | $2,269 | $4,099-44.6% | $3,420-33.7% | $4,156-45.4% |
| Participant deferral / active EE | $4,228 | $5,552-23.9% | $4,690-9.9% | $6,407-34.0% |
| Admin fee / account holder | $3,235 | $15,028-78.5% | $12,016-73.1% | $12,270-73.6% |