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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 | $99,363 | $81,358+22.1% | $155,556-36.1% | $80,959+22.7% |
| Participation rate | 72.4% | 66.3%+6.1pp | 78.2%-5.8pp | 67.7%+4.7pp |
| Annual return | 12.00% | 33.39%-21.4pp | 64.84%-52.8pp | 35.67%-23.7pp |
| Employer contribution / active EE | $3,086 | $3,106-0.7% | $4,675-34.0% | $2,757+11.9% |
| Participant deferral / active EE | $5,677 | $3,455+64.3% | $5,631+0.8% | $4,300+32.0% |
| Admin fee / account holder | $7,770 | $7,994-2.8% | $15,885-51.1% | $6,925+12.2% |