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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 | $136,860-24.0% | $120,344-13.6% | $154,746-32.8% |
| Participation rate | 90.5% | 79.9%+10.6pp | 76.7%+13.8pp | 80.7%+9.8pp |
| Annual return | 10.24% | 21.38%-11.1pp | 20.30%-10.1pp | 172.34%-162.1pp |
| Employer contribution / active EE | $3,012 | $3,533-14.7% | $3,020-0.3% | $4,379-31.2% |
| Participant deferral / active EE | $9,378 | $5,793+61.9% | $5,135+82.6% | $6,730+39.3% |
| Admin fee / account holder | $52,070 | $15,393+238.3% | $12,742+308.7% | $14,365+262.5% |