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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 | $107,258 | $199,109-46.1% | $173,730-38.3% | $154,746-30.7% |
| Participation rate | 86.7% | 82.8%+3.9pp | 79.6%+7.1pp | 80.7%+6.0pp |
| Annual return | 14.80% | 20.02%-5.2pp | 19.96%-5.2pp | 172.34%-157.5pp |
| Employer contribution / active EE | $4,068 | $5,311-23.4% | $4,577-11.1% | $4,379-7.1% |
| Participant deferral / active EE | $12,598 | $7,113+77.1% | $6,326+99.1% | $6,730+87.2% |
| Admin fee / account holder | $5,453 | $20,916-73.9% | $17,523-68.9% | $14,365-62.0% |