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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 | $96,205 | $101,795-5.5% | $165,100-41.7% | $80,959+18.8% |
| Participation rate | 84.6% | 71.8%+12.8pp | 78.6%+6.0pp | 67.7%+16.9pp |
| Annual return | 17.35% | 16.73%+0.6pp | 70.21%-52.9pp | 35.67%-18.3pp |
| Employer contribution / active EE | $3,701 | $2,954+25.3% | $4,348-14.9% | $2,757+34.3% |
| Participant deferral / active EE | $7,032 | $4,476+57.1% | $6,035+16.5% | $4,300+63.5% |
| Admin fee / account holder | $1,285 | $8,221-84.4% | $12,696-89.9% | $6,925-81.4% |