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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 | $98,359 | $107,806-8.8% | $90,655+8.5% | $135,382-27.3% |
| Participation rate | 87.5% | 78.0%+9.5pp | 74.0%+13.5pp | 82.6%+4.9pp |
| Annual return | 10.62% | -0.90%+11.5pp | 1.89%+8.7pp | 519.77%-509.1pp |
| Employer contribution / active EE | $2,223 | $3,018-26.3% | $2,532-12.2% | $4,779-53.5% |
| Participant deferral / active EE | $4,799 | $3,872+23.9% | $3,425+40.1% | $5,609-14.4% |
| Admin fee / account holder | $20,449 | $5,931+244.8% | $4,994+309.5% | $10,829+88.8% |