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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 | $94,041 | $95,959-2.0% | $97,411-3.5% | $138,895-32.3% |
| Participation rate | 93.8% | 81.8%+11.9pp | 80.4%+13.4pp | 79.9%+13.8pp |
| Annual return | 20.82% | 29.30%-8.5pp | 34.72%-13.9pp | 145.39%-124.6pp |
| Employer contribution / active EE | $12,306 | $4,278+187.6% | $4,210+192.3% | $4,194+193.4% |
| Participant deferral / active EE | $9,673 | $5,876+64.6% | $5,886+64.4% | $6,396+51.2% |
| Admin fee / account holder | $2,231 | $7,555-70.5% | $7,145-68.8% | $12,562-82.2% |