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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 | $124,425-27.7% | $112,040-19.7% | $137,256-34.4% |
| Participation rate | 95.7% | 79.3%+16.3pp | 76.5%+19.2pp | 80.0%+15.7pp |
| Annual return | 20.66% | 24.72%-4.1pp | 24.52%-3.9pp | 220.34%-199.7pp |
| Employer contribution / active EE | $3,209 | $3,411-5.9% | $2,954+8.6% | $4,156-22.8% |
| Participant deferral / active EE | $4,582 | $5,718-19.9% | $5,098-10.1% | $6,407-28.5% |
| Admin fee / account holder | $1,249 | $15,207-91.8% | $12,098-89.7% | $12,270-89.8% |