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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 | $117,634 | $124,425-5.5% | $112,040+5.0% | $137,256-14.3% |
| Participation rate | 90.9% | 79.3%+11.6pp | 76.5%+14.4pp | 80.0%+10.9pp |
| Annual return | 13.94% | 24.72%-10.8pp | 24.52%-10.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $7,263 | $3,411+112.9% | $2,954+145.9% | $4,156+74.8% |
| Participant deferral / active EE | $3,600 | $5,718-37.1% | $5,098-29.4% | $6,407-43.8% |
| Admin fee / account holder | $1,467 | $15,207-90.4% | $12,098-87.9% | $12,270-88.0% |