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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 | $109,738 | $138,385-20.7% | $184,243-40.4% | $80,925+35.6% |
| Participation rate | 88.0% | 83.9%+4.1pp | 86.8%+1.2pp | 67.7%+20.3pp |
| Annual return | 13.20% | 20.02%-6.8pp | 28.82%-15.6pp | 35.65%-22.4pp |
| Employer contribution / active EE | $3,846 | $4,851-20.7% | $6,427-40.2% | $2,756+39.5% |
| Participant deferral / active EE | $11,057 | $7,075+56.3% | $9,132+21.1% | $4,299+157.2% |
| Admin fee / account holder | $19,770 | $10,489+88.5% | $13,914+42.1% | $6,940+184.9% |