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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 | $96,299 | $185,141-48.0% | $153,416-37.2% | $155,188-37.9% |
| Participation rate | 92.3% | 79.9%+12.4pp | 74.3%+18.0pp | 80.8%+11.5pp |
| Annual return | 17.30% | 18.72%-1.4pp | 17.84%-0.5pp | 148.84%-131.5pp |
| Employer contribution / active EE | $2,340 | $4,489-47.9% | $3,764-37.8% | $4,248-44.9% |
| Participant deferral / active EE | $5,591 | $5,477+2.1% | $4,723+18.4% | $6,531-14.4% |
| Admin fee / account holder | $1,577 | $16,005-90.1% | $13,095-88.0% | $14,480-89.1% |