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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 | $77,157 | $87,132-11.4% | $105,624-27.0% | $80,959-4.7% |
| Participation rate | 89.1% | 70.4%+18.7pp | 75.3%+13.9pp | 67.7%+21.5pp |
| Annual return | 17.50% | 17.03%+0.5pp | 116.20%-98.7pp | 35.67%-18.2pp |
| Employer contribution / active EE | $2,101 | $2,397-12.4% | $3,168-33.7% | $2,757-23.8% |
| Participant deferral / active EE | $9,520 | $3,985+138.9% | $5,013+89.9% | $4,300+121.4% |
| Admin fee / account holder | $816 | $8,449-90.3% | $10,961-92.6% | $6,925-88.2% |