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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 | $102,028 | $117,846-13.4% | $102,434-0.4% | $145,884-30.1% |
| Participation rate | 93.8% | 78.6%+15.1pp | 76.5%+17.2pp | 80.3%+13.4pp |
| Annual return | 34.85% | 31.90%+3.0pp | 29.46%+5.4pp | 551.85%-517.0pp |
| Employer contribution / active EE | $3,285 | $3,615-9.1% | $3,023+8.7% | $4,662-29.5% |
| Participant deferral / active EE | $10,580 | $5,733+84.5% | $5,055+109.3% | $6,690+58.2% |
| Admin fee / account holder | $16,940 | $13,356+26.8% | $9,462+79.0% | $13,392+26.5% |