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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 | $126,393 | $199,109-36.5% | $173,730-27.2% | $154,746-18.3% |
| Participation rate | 92.3% | 82.8%+9.5pp | 79.6%+12.7pp | 80.7%+11.6pp |
| Annual return | 9.10% | 20.02%-10.9pp | 19.96%-10.9pp | 172.34%-163.2pp |
| Employer contribution / active EE | $4,053 | $5,311-23.7% | $4,577-11.5% | $4,379-7.5% |
| Participant deferral / active EE | $5,885 | $7,113-17.3% | $6,326-7.0% | $6,730-12.6% |
| Admin fee / account holder | $7,431 | $20,916-64.5% | $17,523-57.6% | $14,365-48.3% |