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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 | $95,442 | $154,228-38.1% | $145,433-34.4% | $137,256-30.5% |
| Participation rate | 90.9% | 83.8%+7.1pp | 82.1%+8.8pp | 80.0%+10.9pp |
| Annual return | 27.57% | 74.59%-47.0pp | 66.58%-39.0pp | 220.34%-192.8pp |
| Employer contribution / active EE | $3,777 | $4,804-21.4% | $4,554-17.1% | $4,156-9.1% |
| Participant deferral / active EE | $10,186 | $8,216+24.0% | $7,897+29.0% | $6,407+59.0% |
| Admin fee / account holder | $12,342 | $14,344-14.0% | $13,129-6.0% | $12,270+0.6% |