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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 | $111,381 | $115,931-3.9% | $185,441-39.9% | $86,983+28.0% |
| Participation rate | 95.7% | 73.6%+22.0pp | 80.3%+15.4pp | 69.5%+26.1pp |
| Annual return | 13.67% | 21.47%-7.8pp | 20.16%-6.5pp | 25.83%-12.2pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $7,602 | $4,551+67.0% | $6,152+23.6% | $4,194+81.3% |
| Admin fee / account holder | $11,715 | $10,687+9.6% | $17,890-34.5% | $7,856+49.1% |