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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 | $90,843 | $251,004-63.8% | $191,597-52.6% | $138,895-34.6% |
| Participation rate | 94.4% | 82.4%+12.1pp | 76.9%+17.5pp | 79.9%+14.5pp |
| Annual return | 13.07% | 31.05%-18.0pp | 27.07%-14.0pp | 145.39%-132.3pp |
| Employer contribution / active EE | $5,559 | $6,226-10.7% | $5,025+10.6% | $4,194+32.5% |
| Participant deferral / active EE | $5,935 | $8,154-27.2% | $6,850-13.4% | $6,396-7.2% |
| Admin fee / account holder | $3,069 | $31,471-90.2% | $22,799-86.5% | $12,562-75.6% |