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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 | $140,117 | $178,174-21.4% | $156,181-10.3% | $137,256+2.1% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.8%+8.7pp | 80.0%+7.5pp |
| Annual return | 19.70% | 84.19%-64.5pp | 64.87%-45.2pp | 220.34%-200.6pp |
| Employer contribution / active EE | $3,145 | $4,972-36.7% | $4,294-26.8% | $4,156-24.3% |
| Participant deferral / active EE | $11,445 | $6,888+66.2% | $6,132+86.6% | $6,407+78.6% |
| Admin fee / account holder | $5,320 | $17,404-69.4% | $14,586-63.5% | $12,270-56.6% |