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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 | $94,031+4.5% | $115,768-15.1% | $82,448+19.2% |
| Participation rate | 89.1% | 70.4%+18.7pp | 74.4%+14.7pp | 68.1%+21.1pp |
| Annual return | 19.02% | 20.61%-1.6pp | 100.46%-81.4pp | 41.64%-22.6pp |
| Employer contribution / active EE | $2,083 | $2,323-10.4% | $2,940-29.2% | $2,551-18.4% |
| Participant deferral / active EE | $9,934 | $3,972+150.1% | $4,917+102.1% | $4,139+140.0% |
| Admin fee / account holder | $5,103 | $10,249-50.2% | $12,439-59.0% | $7,234-29.5% |