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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 | $85,829 | $126,661-32.2% | $113,397-24.3% | $138,895-38.2% |
| Participation rate | 95.0% | 79.4%+15.6pp | 76.5%+18.5pp | 79.9%+15.1pp |
| Annual return | 17.84% | 25.05%-7.2pp | 23.20%-5.4pp | 145.39%-127.6pp |
| Employer contribution / active EE | $2,737 | $3,456-20.8% | $2,977-8.1% | $4,194-34.7% |
| Participant deferral / active EE | $5,150 | $5,693-9.5% | $5,076+1.5% | $6,396-19.5% |
| Admin fee / account holder | $11,418 | $14,549-21.5% | $11,957-4.5% | $12,562-9.1% |