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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 | $53,987 | $102,609-47.4% | $98,090-45.0% | $138,895-61.1% |
| Participation rate | 95.7% | 82.8%+12.9pp | 81.5%+14.1pp | 79.9%+15.7pp |
| Annual return | 29.20% | 36.44%-7.2pp | 37.05%-7.9pp | 145.39%-116.2pp |
| Employer contribution / active EE | $3,435 | $3,867-11.2% | $3,606-4.7% | $4,194-18.1% |
| Participant deferral / active EE | $12,216 | $8,167+49.6% | $7,845+55.7% | $6,396+91.0% |
| Admin fee / account holder | $917 | $11,434-92.0% | $11,815-92.2% | $12,562-92.7% |