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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 | $125,449 | $80,985+54.9% | $96,576+29.9% | $75,181+66.9% |
| Participation rate | 79.2% | 71.8%+7.5pp | 76.0%+3.3pp | 67.2%+12.0pp |
| Annual return | 19.60% | 27.05%-7.4pp | 25.87%-6.3pp | 160.69%-141.1pp |
| Employer contribution / active EE | $1,292 | $2,282-43.4% | $2,965-56.4% | $2,671-51.6% |
| Participant deferral / active EE | $3,910 | $3,929-0.5% | $4,851-19.4% | $4,126-5.2% |
| Admin fee / account holder | $5,293 | $6,719-21.2% | $8,253-35.9% | $5,650-6.3% |