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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 | $85,848 | $96,524-11.1% | $75,900+13.1% | $152,909-43.9% |
| Participation rate | 92.3% | 76.2%+16.1pp | 69.3%+23.0pp | 82.5%+9.9pp |
| Annual return | 19.91% | 33.93%-14.0pp | 30.73%-10.8pp | 345.46%-325.6pp |
| Employer contribution / active EE | $2,838 | $3,311-14.3% | $2,501+13.5% | $4,764-40.4% |
| Participant deferral / active EE | $14,369 | $4,554+215.5% | $3,604+298.8% | $5,851+145.6% |
| Admin fee / account holder | $11,618 | $8,082+43.8% | $5,421+114.3% | $11,601+0.2% |