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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 | $106,865 | $106,974-0.1% | $90,796+17.7% | $138,895-23.1% |
| Participation rate | 77.8% | 74.9%+2.9pp | 69.5%+8.3pp | 79.9%-2.1pp |
| Annual return | 17.78% | 20.10%-2.3pp | 19.29%-1.5pp | 145.39%-127.6pp |
| Employer contribution / active EE | $1,736 | $2,609-33.5% | $2,294-24.3% | $4,194-58.6% |
| Participant deferral / active EE | $4,278 | $4,455-4.0% | $3,822+12.0% | $6,396-33.1% |
| Admin fee / account holder | $12,488 | $8,626+44.8% | $7,024+77.8% | $12,562-0.6% |