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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 | $86,641 | $85,766+1.0% | $136,295-36.4% | $70,131+23.5% |
| Participation rate | 92.9% | 74.2%+18.7pp | 81.9%+10.9pp | 69.5%+23.3pp |
| Annual return | 17.09% | 31.45%-14.4pp | 5155.97%-5138.9pp | 73.14%-56.1pp |
| Employer contribution / active EE | $4,548 | $2,966+53.3% | $4,695-3.1% | $2,342+94.1% |
| Participant deferral / active EE | $5,074 | $5,051+0.4% | $6,247-18.8% | $3,332+52.3% |
| Admin fee / account holder | $2,131 | $5,420-60.7% | $9,243-76.9% | $4,645-54.1% |