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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 | $96,540 | $107,666-10.3% | $102,184-5.5% | $154,746-37.6% |
| Participation rate | 93.3% | 83.7%+9.6pp | 82.6%+10.7pp | 80.7%+12.6pp |
| Annual return | 17.55% | 29.33%-11.8pp | 31.58%-14.0pp | 172.34%-154.8pp |
| Employer contribution / active EE | $3,333 | $3,846-13.3% | $3,594-7.2% | $4,379-23.9% |
| Participant deferral / active EE | $5,185 | $8,719-40.5% | $8,309-37.6% | $6,730-23.0% |
| Admin fee / account holder | $2,081 | $12,943-83.9% | $11,609-82.1% | $14,365-85.5% |