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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 | $90,432 | $87,733+3.1% | $106,555-15.1% | $85,847+5.3% |
| Participation rate | 93.3% | 71.9%+21.4pp | 76.1%+17.2pp | 69.3%+24.0pp |
| Annual return | 15.20% | 21.86%-6.7pp | 26.80%-11.6pp | 318.61%-303.4pp |
| Employer contribution / active EE | $565 | $2,073-72.7% | $2,819-79.9% | $2,565-78.0% |
| Participant deferral / active EE | $5,450 | $3,469+57.1% | $4,399+23.9% | $3,952+37.9% |
| Admin fee / account holder | $5,680 | $6,767-16.1% | $7,408-23.3% | $6,261-9.3% |