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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 | $94,031+14.2% | $115,768-7.3% | $82,448+30.2% |
| Participation rate | 76.9% | 70.4%+6.5pp | 74.4%+2.5pp | 68.1%+8.9pp |
| Annual return | 12.81% | 20.61%-7.8pp | 100.46%-87.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,332 | $2,323-42.7% | $2,940-54.7% | $2,551-47.8% |
| Participant deferral / active EE | $4,379 | $3,972+10.3% | $4,917-10.9% | $4,139+5.8% |
| Admin fee / account holder | $8,219 | $10,249-19.8% | $12,439-33.9% | $7,234+13.6% |