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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 | $136,860-11.0% | $120,344+1.2% | $154,746-21.3% |
| Participation rate | 87.5% | 79.9%+7.6pp | 76.7%+10.8pp | 80.7%+6.8pp |
| Annual return | 17.02% | 21.38%-4.4pp | 20.30%-3.3pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,895 | $3,533-18.1% | $3,020-4.2% | $4,379-33.9% |
| Participant deferral / active EE | $12,621 | $5,793+117.9% | $5,135+145.8% | $6,730+87.5% |
| Admin fee / account holder | $3,538 | $15,393-77.0% | $12,742-72.2% | $14,365-75.4% |