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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 | $126,661-17.9% | $113,397-8.3% | $138,895-25.1% |
| Participation rate | 90.5% | 79.4%+11.0pp | 76.5%+14.0pp | 79.9%+10.6pp |
| Annual return | 10.24% | 25.05%-14.8pp | 23.20%-13.0pp | 145.39%-135.2pp |
| Employer contribution / active EE | $3,012 | $3,456-12.8% | $2,977+1.2% | $4,194-28.2% |
| Participant deferral / active EE | $9,378 | $5,693+64.7% | $5,076+84.7% | $6,396+46.6% |
| Admin fee / account holder | $52,070 | $14,549+257.9% | $11,957+335.5% | $12,562+314.5% |