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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 | $88,943 | $136,860-35.0% | $120,344-26.1% | $154,746-42.5% |
| Participation rate | 88.2% | 79.9%+8.3pp | 76.7%+11.5pp | 80.7%+7.5pp |
| Annual return | 15.51% | 21.38%-5.9pp | 20.30%-4.8pp | 172.34%-156.8pp |
| Employer contribution / active EE | $3,775 | $3,533+6.8% | $3,020+25.0% | $4,379-13.8% |
| Participant deferral / active EE | $10,062 | $5,793+73.7% | $5,135+95.9% | $6,730+49.5% |
| Admin fee / account holder | $3,066 | $15,393-80.1% | $12,742-75.9% | $14,365-78.7% |