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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 | $141,099 | $124,425+13.4% | $112,040+25.9% | $137,256+2.8% |
| Participation rate | 89.5% | 79.3%+10.2pp | 76.5%+13.0pp | 80.0%+9.5pp |
| Annual return | 15.94% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,816 | $3,411-46.8% | $2,954-38.5% | $4,156-56.3% |
| Participant deferral / active EE | $14,339 | $5,718+150.8% | $5,098+181.3% | $6,407+123.8% |
| Admin fee / account holder | $4,859 | $15,207-68.0% | $12,098-59.8% | $12,270-60.4% |