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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 | $97,248 | $112,729-13.7% | $98,716-1.5% | $137,256-29.1% |
| Participation rate | 81.8% | 74.2%+7.6pp | 69.3%+12.5pp | 80.0%+1.9pp |
| Annual return | 16.04% | 38.48%-22.4pp | 31.81%-15.8pp | 220.34%-204.3pp |
| Employer contribution / active EE | $2,091 | $2,725-23.3% | $2,279-8.2% | $4,156-49.7% |
| Participant deferral / active EE | $2,801 | $4,640-39.6% | $4,048-30.8% | $6,407-56.3% |
| Admin fee / account holder | $484 | $10,129-95.2% | $8,703-94.4% | $12,270-96.1% |