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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 | $139,383 | $254,759-45.3% | $216,567-35.6% | $198,609-29.8% |
| Participation rate | 94.1% | 84.5%+9.6pp | 81.6%+12.5pp | 82.4%+11.7pp |
| Annual return | 15.85% | 10.04%+5.8pp | 12.94%+2.9pp | 202.70%-186.9pp |
| Employer contribution / active EE | $4,027 | $6,096-33.9% | $5,216-22.8% | $5,055-20.3% |
| Participant deferral / active EE | $11,409 | $6,948+64.2% | $6,191+84.3% | $6,977+63.5% |
| Admin fee / account holder | $6,786 | $26,311-74.2% | $21,981-69.1% | $19,030-64.3% |