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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 | $128,875 | $112,729+14.3% | $98,716+30.6% | $137,256-6.1% |
| Participation rate | 91.7% | 74.2%+17.4pp | 69.3%+22.4pp | 80.0%+11.7pp |
| Annual return | 16.11% | 38.48%-22.4pp | 31.81%-15.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $913 | $2,725-66.5% | $2,279-59.9% | $4,156-78.0% |
| Participant deferral / active EE | $5,043 | $4,640+8.7% | $4,048+24.6% | $6,407-21.3% |
| Admin fee / account holder | $8,077 | $10,129-20.3% | $8,703-7.2% | $12,270-34.2% |