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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 | $138,312-24.8% | $122,979-15.5% | $155,188-33.0% |
| Participation rate | 90.5% | 80.2%+10.3pp | 77.2%+13.3pp | 80.8%+9.7pp |
| Annual return | 10.24% | 22.06%-11.8pp | 20.12%-9.9pp | 148.84%-138.6pp |
| Employer contribution / active EE | $3,012 | $3,530-14.7% | $3,062-1.6% | $4,248-29.1% |
| Participant deferral / active EE | $9,378 | $5,592+67.7% | $5,003+87.5% | $6,531+43.6% |
| Admin fee / account holder | $52,070 | $15,089+245.1% | $12,864+304.8% | $14,480+259.6% |