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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 | $100,052 | $117,859-15.1% | $102,438-2.3% | $145,959-31.5% |
| Participation rate | 92.3% | 78.6%+13.7pp | 76.5%+15.8pp | 80.3%+12.0pp |
| Annual return | 13.13% | 31.72%-18.6pp | 29.37%-16.2pp | 561.95%-548.8pp |
| Employer contribution / active EE | $2,823 | $3,615-21.9% | $3,024-6.6% | $4,661-39.4% |
| Participant deferral / active EE | $5,012 | $5,732-12.6% | $5,054-0.8% | $6,689-25.1% |
| Admin fee / account holder | $2,618 | $13,318-80.3% | $9,448-72.3% | $13,398-80.5% |