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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 | $112,930 | $124,425-9.2% | $112,040+0.8% | $137,256-17.7% |
| Participation rate | 71.4% | 79.3%-7.9pp | 76.5%-5.1pp | 80.0%-8.5pp |
| Annual return | 16.47% | 24.72%-8.2pp | 24.52%-8.0pp | 220.34%-203.9pp |
| Employer contribution / active EE | $1,245 | $3,411-63.5% | $2,954-57.9% | $4,156-70.1% |
| Participant deferral / active EE | $5,260 | $5,718-8.0% | $5,098+3.2% | $6,407-17.9% |
| Admin fee / account holder | $23,657 | $15,207+55.6% | $12,098+95.5% | $12,270+92.8% |