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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 | $120,466 | $124,425-3.2% | $112,040+7.5% | $137,256-12.2% |
| Participation rate | 91.7% | 79.3%+12.4pp | 76.5%+15.2pp | 80.0%+11.7pp |
| Annual return | 24.41% | 24.72%-0.3pp | 24.52%-0.1pp | 220.34%-195.9pp |
| Employer contribution / active EE | $2,658 | $3,411-22.1% | $2,954-10.0% | $4,156-36.0% |
| Participant deferral / active EE | $9,057 | $5,718+58.4% | $5,098+77.7% | $6,407+41.4% |
| Admin fee / account holder | $1,771 | $15,207-88.4% | $12,098-85.4% | $12,270-85.6% |