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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 | $92,827 | $143,969-35.5% | $199,883-53.6% | $82,637+12.3% |
| Participation rate | 97.1% | 84.1%+12.9pp | 86.8%+10.3pp | 68.1%+29.0pp |
| Annual return | 15.18% | 25.67%-10.5pp | 43.81%-28.6pp | 53.51%-38.3pp |
| Employer contribution / active EE | $4,161 | $4,632-10.2% | $6,261-33.5% | $2,552+63.0% |
| Participant deferral / active EE | $9,853 | $6,937+42.0% | $9,138+7.8% | $4,126+138.8% |
| Admin fee / account holder | $3,848 | $14,597-73.6% | $17,268-77.7% | $7,339-47.6% |