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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 | $127,652 | $124,314+2.7% | $109,163+16.9% | $167,518-23.8% |
| Participation rate | 95.2% | 79.4%+15.8pp | 75.9%+19.4pp | 82.1%+13.1pp |
| Annual return | 12.52% | 26.04%-13.5pp | 25.75%-13.2pp | 478.71%-466.2pp |
| Employer contribution / active EE | $1,744 | $4,209-58.6% | $3,723-53.1% | $4,838-63.9% |
| Participant deferral / active EE | $3,037 | $5,256-42.2% | $4,654-34.8% | $6,342-52.1% |
| Admin fee / account holder | $6,383 | $7,973-19.9% | $6,754-5.5% | $12,312-48.2% |