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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 | $85,855 | $146,267-41.3% | $197,124-56.4% | $82,448+4.1% |
| Participation rate | 96.2% | 84.0%+12.1pp | 86.7%+9.4pp | 68.1%+28.1pp |
| Annual return | 15.81% | 29.61%-13.8pp | 44.34%-28.5pp | 41.64%-25.8pp |
| Employer contribution / active EE | $3,333 | $4,723-29.4% | $6,227-46.5% | $2,551+30.6% |
| Participant deferral / active EE | $8,104 | $7,035+15.2% | $9,135-11.3% | $4,139+95.8% |
| Admin fee / account holder | $8,705 | $14,422-39.6% | $16,298-46.6% | $7,234+20.3% |