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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 | $139,742 | $117,829+18.6% | $102,423+36.4% | $145,877-4.2% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 18.80% | 31.83%-13.0pp | 29.42%-10.6pp | 551.28%-532.5pp |
| Employer contribution / active EE | $2,129 | $3,615-41.1% | $3,023-29.6% | $4,663-54.3% |
| Participant deferral / active EE | $4,414 | $5,732-23.0% | $5,054-12.7% | $6,691-34.0% |
| Admin fee / account holder | $4,137 | $13,335-69.0% | $9,455-56.2% | $13,402-69.1% |