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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 | $95,054 | $96,558-1.6% | $80,977+17.4% | $273,972-65.3% |
| Participation rate | 90.9% | 79.1%+11.8pp | 75.8%+15.1pp | 83.0%+7.9pp |
| Annual return | 10.21% | 15.14%-4.9pp | 17.11%-6.9pp | 41.46%-31.2pp |
| Employer contribution / active EE | $5,965 | $4,869+22.5% | $3,715+60.6% | $4,869+22.5% |
| Participant deferral / active EE | $12,082 | $6,598+83.1% | $5,696+112.1% | $5,287+128.5% |
| Admin fee / account holder | $4,757 | $7,493-36.5% | $5,517-13.8% | $10,133-53.1% |