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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 | $128,966 | $110,212+17.0% | $96,534+33.6% | $139,466-7.5% |
| Participation rate | 81.0% | 78.1%+2.8pp | 76.0%+5.0pp | 80.3%+0.6pp |
| Annual return | 13.53% | 26.42%-12.9pp | 25.88%-12.4pp | 373.66%-360.1pp |
| Employer contribution / active EE | $1,183 | $3,620-67.3% | $2,965-60.1% | $4,754-75.1% |
| Participant deferral / active EE | $2,765 | $5,547-50.2% | $4,851-43.0% | $6,712-58.8% |
| Admin fee / account holder | $1,810 | $11,599-84.4% | $8,253-78.1% | $11,409-84.1% |