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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 | $108,092 | $135,956-20.5% | $123,894-12.8% | $273,972-60.5% |
| Participation rate | 93.3% | 84.1%+9.3pp | 81.4%+11.9pp | 83.0%+10.3pp |
| Annual return | 9.20% | 56.63%-47.4pp | 47.52%-38.3pp | 41.46%-32.3pp |
| Employer contribution / active EE | $3,567 | $5,170-31.0% | $4,617-22.7% | $4,869-26.7% |
| Participant deferral / active EE | $14,372 | $6,343+126.6% | $5,984+140.2% | $5,287+171.8% |
| Admin fee / account holder | $4,705 | $9,817-52.1% | $8,357-43.7% | $10,133-53.6% |