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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 | $105,421 | $124,425-15.3% | $112,040-5.9% | $137,256-23.2% |
| Participation rate | 88.9% | 79.3%+9.6pp | 76.5%+12.4pp | 80.0%+8.9pp |
| Annual return | 17.99% | 24.72%-6.7pp | 24.52%-6.5pp | 220.34%-202.3pp |
| Employer contribution / active EE | $4,682 | $3,411+37.2% | $2,954+58.5% | $4,156+12.7% |
| Participant deferral / active EE | $9,058 | $5,718+58.4% | $5,098+77.7% | $6,407+41.4% |
| Admin fee / account holder | $20,828 | $15,207+37.0% | $12,098+72.2% | $12,270+69.7% |