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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 | $129,493 | $87,166+48.6% | $76,735+68.8% | $137,256-5.7% |
| Participation rate | 81.8% | 74.4%+7.5pp | 69.5%+12.3pp | 80.0%+1.9pp |
| Annual return | 12.18% | 26.50%-14.3pp | 29.77%-17.6pp | 220.34%-208.2pp |
| Employer contribution / active EE | $4,021 | $2,904+38.5% | $2,454+63.9% | $4,156-3.2% |
| Participant deferral / active EE | $10,433 | $4,726+120.8% | $4,088+155.2% | $6,407+62.8% |
| Admin fee / account holder | $3,492 | $8,403-58.4% | $7,189-51.4% | $12,270-71.5% |