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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 | $90,010 | $138,312-34.9% | $122,979-26.8% | $155,188-42.0% |
| Participation rate | 95.7% | 80.2%+15.5pp | 77.2%+18.5pp | 80.8%+14.8pp |
| Annual return | 20.66% | 22.06%-1.4pp | 20.12%+0.5pp | 148.84%-128.2pp |
| Employer contribution / active EE | $3,209 | $3,530-9.1% | $3,062+4.8% | $4,248-24.5% |
| Participant deferral / active EE | $4,582 | $5,592-18.1% | $5,003-8.4% | $6,531-29.8% |
| Admin fee / account holder | $1,249 | $15,089-91.7% | $12,864-90.3% | $14,480-91.4% |