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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 | $131,184 | $107,809+21.7% | $97,032+35.2% | $155,188-15.5% |
| Participation rate | 95.2% | 75.5%+19.8pp | 71.6%+23.7pp | 80.8%+14.4pp |
| Annual return | 14.35% | 38.06%-23.7pp | 35.38%-21.0pp | 148.84%-134.5pp |
| Employer contribution / active EE | $1,769 | $2,911-39.2% | $2,629-32.7% | $4,248-58.3% |
| Participant deferral / active EE | $3,579 | $5,129-30.2% | $4,672-23.4% | $6,531-45.2% |
| Admin fee / account holder | $12,213 | $10,717+14.0% | $9,418+29.7% | $14,480-15.7% |