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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 | $101,950+5.3% | $125,529-14.5% | $86,983+23.4% |
| Participation rate | 76.9% | 70.2%+6.8pp | 74.7%+2.2pp | 69.5%+7.4pp |
| Annual return | 12.81% | 18.29%-5.5pp | 202.56%-189.8pp | 25.83%-13.0pp |
| Employer contribution / active EE | $1,332 | $2,358-43.5% | $3,058-56.4% | $2,584-48.5% |
| Participant deferral / active EE | $4,379 | $3,862+13.4% | $4,813-9.0% | $4,194+4.4% |
| Admin fee / account holder | $8,219 | $12,791-35.7% | $16,298-49.6% | $7,856+4.6% |