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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 | $106,264 | $136,860-22.4% | $120,344-11.7% | $154,746-31.3% |
| Participation rate | 91.3% | 79.9%+11.4pp | 76.7%+14.6pp | 80.7%+10.6pp |
| Annual return | 9.44% | 21.38%-11.9pp | 20.30%-10.9pp | 172.34%-162.9pp |
| Employer contribution / active EE | $1,480 | $3,533-58.1% | $3,020-51.0% | $4,379-66.2% |
| Participant deferral / active EE | $5,789 | $5,793-0.1% | $5,135+12.7% | $6,730-14.0% |
| Admin fee / account holder | $23,516 | $15,393+52.8% | $12,742+84.6% | $14,365+63.7% |