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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 | $98,252 | $97,648+0.6% | $121,663-19.2% | $87,485+12.3% |
| Participation rate | 89.1% | 70.5%+18.7pp | 74.5%+14.6pp | 68.9%+20.2pp |
| Annual return | 19.02% | 18.03%+1.0pp | 147.54%-128.5pp | 26.06%-7.0pp |
| Employer contribution / active EE | $2,083 | $2,300-9.5% | $3,020-31.0% | $2,596-19.8% |
| Participant deferral / active EE | $9,934 | $3,923+153.2% | $4,887+103.3% | $4,274+132.5% |
| Admin fee / account holder | $5,103 | $11,100-54.0% | $14,289-64.3% | $7,775-34.4% |