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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 | $110,910 | $199,109-44.3% | $173,730-36.2% | $154,746-28.3% |
| Participation rate | 87.5% | 82.8%+4.7pp | 79.6%+7.9pp | 80.7%+6.8pp |
| Annual return | 14.76% | 20.02%-5.3pp | 19.96%-5.2pp | 172.34%-157.6pp |
| Employer contribution / active EE | $4,026 | $5,311-24.2% | $4,577-12.0% | $4,379-8.1% |
| Participant deferral / active EE | $10,497 | $7,113+47.6% | $6,326+65.9% | $6,730+56.0% |
| Admin fee / account holder | $5,867 | $20,916-71.9% | $17,523-66.5% | $14,365-59.2% |