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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 | $97,143 | $124,425-21.9% | $112,040-13.3% | $137,256-29.2% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 18.55% | 24.72%-6.2pp | 24.52%-6.0pp | 220.34%-201.8pp |
| Employer contribution / active EE | $2,675 | $3,411-21.6% | $2,954-9.4% | $4,156-35.6% |
| Participant deferral / active EE | $10,759 | $5,718+88.1% | $5,098+111.1% | $6,407+67.9% |
| Admin fee / account holder | $954 | $15,207-93.7% | $12,098-92.1% | $12,270-92.2% |