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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 | $100,687 | $162,967-38.2% | $135,792-25.9% | $138,895-27.5% |
| Participation rate | 90.0% | 78.3%+11.7pp | 72.6%+17.4pp | 79.9%+10.1pp |
| Annual return | 27.50% | 30.08%-2.6pp | 25.96%+1.5pp | 145.39%-117.9pp |
| Employer contribution / active EE | $3,259 | $4,211-22.6% | $3,496-6.8% | $4,194-22.3% |
| Participant deferral / active EE | $8,745 | $5,640+55.0% | $4,759+83.8% | $6,396+36.7% |
| Admin fee / account holder | $28,298 | $15,306+84.9% | $12,266+130.7% | $12,562+125.3% |