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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 | $93,526 | $112,729-17.0% | $98,716-5.3% | $137,256-31.9% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.3%+5.7pp | 80.0%-5.0pp |
| Annual return | 22.92% | 38.48%-15.6pp | 31.81%-8.9pp | 220.34%-197.4pp |
| Employer contribution / active EE | $2,351 | $2,725-13.7% | $2,279+3.2% | $4,156-43.4% |
| Participant deferral / active EE | $9,203 | $4,640+98.3% | $4,048+127.4% | $6,407+43.6% |
| Admin fee / account holder | $1,089 | $10,129-89.3% | $8,703-87.5% | $12,270-91.1% |