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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 | $126,661-3.8% | $113,397+7.4% | $138,895-12.3% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.5%+11.0pp | 79.9%+7.6pp |
| Annual return | 17.02% | 25.05%-8.0pp | 23.20%-6.2pp | 145.39%-128.4pp |
| Employer contribution / active EE | $2,895 | $3,456-16.2% | $2,977-2.8% | $4,194-31.0% |
| Participant deferral / active EE | $12,621 | $5,693+121.7% | $5,076+148.6% | $6,396+97.3% |
| Admin fee / account holder | $3,538 | $14,549-75.7% | $11,957-70.4% | $12,562-71.8% |