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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 | $107,357 | $97,648+9.9% | $121,663-11.8% | $87,485+22.7% |
| Participation rate | 76.9% | 70.5%+6.5pp | 74.5%+2.4pp | 68.9%+8.0pp |
| Annual return | 12.81% | 18.03%-5.2pp | 147.54%-134.7pp | 26.06%-13.3pp |
| Employer contribution / active EE | $1,332 | $2,300-42.1% | $3,020-55.9% | $2,596-48.7% |
| Participant deferral / active EE | $4,379 | $3,923+11.6% | $4,887-10.4% | $4,274+2.5% |
| Admin fee / account holder | $8,219 | $11,100-26.0% | $14,289-42.5% | $7,775+5.7% |