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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 | $77,097 | $100,125-23.0% | $81,482-5.4% | $145,978-47.2% |
| Participation rate | 92.9% | 74.2%+18.7pp | 69.5%+23.4pp | 80.3%+12.6pp |
| Annual return | 13.01% | 34.44%-21.4pp | 24.79%-11.8pp | 550.52%-537.5pp |
| Employer contribution / active EE | $2,591 | $2,977-13.0% | $2,463+5.2% | $4,662-44.4% |
| Participant deferral / active EE | $4,738 | $4,609+2.8% | $3,885+22.0% | $6,690-29.2% |
| Admin fee / account holder | $9,622 | $8,198+17.4% | $5,761+67.0% | $13,400-28.2% |