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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 | $119,310 | $93,598+27.5% | $135,974-12.3% | $75,173+58.7% |
| Participation rate | 96.4% | 75.2%+21.2pp | 81.9%+14.5pp | 67.2%+29.2pp |
| Annual return | 15.82% | 30.89%-15.1pp | 68.30%-52.5pp | 160.72%-144.9pp |
| Employer contribution / active EE | $2,574 | $3,538-27.2% | $4,859-47.0% | $2,671-3.6% |
| Participant deferral / active EE | $9,425 | $6,405+47.1% | $7,760+21.5% | $4,126+128.4% |
| Admin fee / account holder | $16,116 | $6,978+131.0% | $10,767+49.7% | $5,651+185.2% |