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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 | $117,741 | $136,860-14.0% | $120,344-2.2% | $154,746-23.9% |
| Participation rate | 90.9% | 79.9%+11.0pp | 76.7%+14.2pp | 80.7%+10.2pp |
| Annual return | 16.74% | 21.38%-4.6pp | 20.30%-3.6pp | 172.34%-155.6pp |
| Employer contribution / active EE | $3,648 | $3,533+3.2% | $3,020+20.8% | $4,379-16.7% |
| Participant deferral / active EE | $4,196 | $5,793-27.6% | $5,135-18.3% | $6,730-37.7% |
| Admin fee / account holder | $879 | $15,393-94.3% | $12,742-93.1% | $14,365-93.9% |