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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 | $107,186 | $115,225-7.0% | $100,712+6.4% | $138,895-22.8% |
| Participation rate | 83.3% | 74.3%+9.0pp | 69.3%+14.1pp | 79.9%+3.4pp |
| Annual return | 18.27% | 40.35%-22.1pp | 33.27%-15.0pp | 145.39%-127.1pp |
| Employer contribution / active EE | $1,816 | $2,771-34.5% | $2,313-21.5% | $4,194-56.7% |
| Participant deferral / active EE | $2,933 | $4,699-37.6% | $4,085-28.2% | $6,396-54.1% |
| Admin fee / account holder | $3,036 | $10,844-72.0% | $9,256-67.2% | $12,562-75.8% |