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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 | $121,813 | $124,425-2.1% | $112,040+8.7% | $137,256-11.3% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 17.02% | 24.72%-7.7pp | 24.52%-7.5pp | 220.34%-203.3pp |
| Employer contribution / active EE | $2,895 | $3,411-15.1% | $2,954-2.0% | $4,156-30.4% |
| Participant deferral / active EE | $12,621 | $5,718+120.7% | $5,098+147.6% | $6,407+97.0% |
| Admin fee / account holder | $3,538 | $15,207-76.7% | $12,098-70.8% | $12,270-71.2% |