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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 | $98,632 | $138,385-28.7% | $184,243-46.5% | $80,925+21.9% |
| Participation rate | 96.3% | 83.9%+12.4pp | 86.8%+9.5pp | 67.7%+28.6pp |
| Annual return | 13.38% | 20.02%-6.6pp | 28.82%-15.4pp | 35.65%-22.3pp |
| Employer contribution / active EE | $4,539 | $4,851-6.4% | $6,427-29.4% | $2,756+64.7% |
| Participant deferral / active EE | $13,768 | $7,075+94.6% | $9,132+50.8% | $4,299+220.3% |
| Admin fee / account holder | $30,551 | $10,489+191.3% | $13,914+119.6% | $6,940+340.2% |