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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 | $177,156-45.6% | $147,027-34.5% | $154,746-37.8% |
| Participation rate | 92.3% | 79.4%+13.0pp | 73.7%+18.6pp | 80.7%+11.6pp |
| Annual return | 17.30% | 21.94%-4.6pp | 20.23%-2.9pp | 172.34%-155.0pp |
| Employer contribution / active EE | $2,340 | $4,336-46.0% | $3,626-35.5% | $4,379-46.6% |
| Participant deferral / active EE | $5,591 | $5,797-3.5% | $4,933+13.3% | $6,730-16.9% |
| Admin fee / account holder | $1,577 | $14,904-89.4% | $12,223-87.1% | $14,365-89.0% |