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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 | $92,344 | $117,846-21.6% | $102,434-9.8% | $145,884-36.7% |
| Participation rate | 95.2% | 78.6%+16.6pp | 76.5%+18.7pp | 80.3%+14.9pp |
| Annual return | 12.27% | 31.90%-19.6pp | 29.46%-17.2pp | 551.85%-539.6pp |
| Employer contribution / active EE | $3,201 | $3,615-11.4% | $3,023+5.9% | $4,662-31.3% |
| Participant deferral / active EE | $5,634 | $5,733-1.7% | $5,055+11.5% | $6,690-15.8% |
| Admin fee / account holder | $4,575 | $13,356-65.7% | $9,462-51.6% | $13,392-65.8% |