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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 | $107,744 | $181,896-40.8% | $156,551-31.2% | $273,972-60.7% |
| Participation rate | 92.3% | 88.4%+3.9pp | 84.0%+8.3pp | 83.0%+9.3pp |
| Annual return | 5.02% | 30.74%-25.7pp | 32.23%-27.2pp | 41.46%-36.4pp |
| Employer contribution / active EE | $10,771 | $6,248+72.4% | $5,501+95.8% | $4,869+121.2% |
| Participant deferral / active EE | $5,126 | $5,550-7.6% | $4,871+5.2% | $5,287-3.0% |
| Admin fee / account holder | $2,287 | $15,560-85.3% | $13,028-82.4% | $10,133-77.4% |