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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 | $94,695 | $115,903-18.3% | $100,528-5.8% | $158,966-40.4% |
| Participation rate | 82.4% | 81.6%+0.8pp | 79.4%+2.9pp | 82.0%+0.4pp |
| Annual return | 12.24% | 34.80%-22.6pp | 30.90%-18.7pp | 302.95%-290.7pp |
| Employer contribution / active EE | $3,624 | $4,105-11.7% | $3,419+6.0% | $4,762-23.9% |
| Participant deferral / active EE | $7,666 | $6,677+14.8% | $6,271+22.2% | $5,983+28.1% |
| Admin fee / account holder | $2,762 | $11,000-74.9% | $8,084-65.8% | $11,250-75.4% |