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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 | $95,404 | $182,442-47.7% | $163,379-41.6% | $138,895-31.3% |
| Participation rate | 87.5% | 79.8%+7.7pp | 76.8%+10.7pp | 79.9%+7.6pp |
| Annual return | 11.04% | 72.74%-61.7pp | 63.41%-52.4pp | 145.39%-134.4pp |
| Employer contribution / active EE | $1,263 | $4,159-69.6% | $3,752-66.3% | $4,194-69.9% |
| Participant deferral / active EE | $6,566 | $6,817-3.7% | $6,282+4.5% | $6,396+2.7% |
| Admin fee / account holder | $1,270 | $10,396-87.8% | $9,818-87.1% | $12,562-89.9% |