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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 | $95,687 | $75,541+26.7% | $152,093-37.1% | $82,637+15.8% |
| Participation rate | 94.1% | 66.5%+27.6pp | 77.8%+16.4pp | 68.1%+26.1pp |
| Annual return | 16.14% | 32.56%-16.4pp | 66.36%-50.2pp | 53.51%-37.4pp |
| Employer contribution / active EE | $2,158 | $2,622-17.7% | $4,175-48.3% | $2,552-15.4% |
| Participant deferral / active EE | $4,986 | $3,206+55.5% | $5,451-8.5% | $4,126+20.8% |
| Admin fee / account holder | $11,597 | $6,405+81.1% | $14,497-20.0% | $7,339+58.0% |