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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 | $98,141 | $140,592-30.2% | $123,105-20.3% | $125,389-21.7% |
| Participation rate | 95.2% | 88.2%+7.0pp | 86.8%+8.5pp | 83.2%+12.0pp |
| Annual return | -1.23% | 16.80%-18.0pp | 13.22%-14.4pp | 282.24%-283.5pp |
| Employer contribution / active EE | $5,549 | $6,041-8.2% | $5,151+7.7% | $4,866+14.0% |
| Participant deferral / active EE | $11,198 | $6,980+60.4% | $6,229+79.8% | $5,352+109.2% |
| Admin fee / account holder | $24,339 | $11,198+117.4% | $9,014+170.0% | $9,541+155.1% |