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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 | $115,666 | $185,312-37.6% | $161,489-28.4% | $154,746-25.3% |
| Participation rate | 89.5% | 82.5%+7.0pp | 78.7%+10.8pp | 80.7%+8.8pp |
| Annual return | 12.37% | 103.84%-91.5pp | 89.72%-77.4pp | 172.34%-160.0pp |
| Employer contribution / active EE | $2,010 | $4,769-57.9% | $4,268-52.9% | $4,379-54.1% |
| Participant deferral / active EE | $3,408 | $6,350-46.3% | $5,630-39.5% | $6,730-49.4% |
| Admin fee / account holder | $2,820 | $18,654-84.9% | $16,006-82.4% | $14,365-80.4% |