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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 | $103,965 | $124,425-16.4% | $112,040-7.2% | $137,256-24.3% |
| Participation rate | 90.5% | 79.3%+11.2pp | 76.5%+14.0pp | 80.0%+10.5pp |
| Annual return | 10.24% | 24.72%-14.5pp | 24.52%-14.3pp | 220.34%-210.1pp |
| Employer contribution / active EE | $3,012 | $3,411-11.7% | $2,954+2.0% | $4,156-27.5% |
| Participant deferral / active EE | $9,378 | $5,718+64.0% | $5,098+84.0% | $6,407+46.4% |
| Admin fee / account holder | $52,070 | $15,207+242.4% | $12,098+330.4% | $12,270+324.4% |