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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 | $95,293 | $81,276+17.2% | $155,574-38.7% | $80,925+17.8% |
| Participation rate | 94.6% | 66.2%+28.3pp | 78.2%+16.4pp | 67.7%+26.9pp |
| Annual return | 12.67% | 33.36%-20.7pp | 64.87%-52.2pp | 35.65%-23.0pp |
| Employer contribution / active EE | $2,123 | $3,103-31.6% | $4,676-54.6% | $2,756-23.0% |
| Participant deferral / active EE | $5,574 | $3,453+61.4% | $5,629-1.0% | $4,299+29.7% |
| Admin fee / account holder | $2,391 | $7,993-70.1% | $15,914-85.0% | $6,940-65.5% |