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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 | $100,427 | $136,860-26.6% | $120,344-16.5% | $154,746-35.1% |
| Participation rate | 95.0% | 79.9%+15.1pp | 76.7%+18.3pp | 80.7%+14.3pp |
| Annual return | 11.88% | 21.38%-9.5pp | 20.30%-8.4pp | 172.34%-160.5pp |
| Employer contribution / active EE | $4,050 | $3,533+14.6% | $3,020+34.1% | $4,379-7.5% |
| Participant deferral / active EE | $0 | $5,793-100.0% | $5,135-100.0% | $6,730-100.0% |
| Admin fee / account holder | $15,101 | $15,393-1.9% | $12,742+18.5% | $14,365+5.1% |