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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 | $98,447 | $116,167-15.3% | $64,489+52.7% | $137,256-28.3% |
| Participation rate | 87.5% | 68.2%+19.3pp | 67.7%+19.8pp | 80.0%+7.5pp |
| Annual return | 16.59% | 36.55%-20.0pp | 55.03%-38.4pp | 220.34%-203.7pp |
| Employer contribution / active EE | $5,680 | $2,483+128.8% | $1,523+272.9% | $4,156+36.7% |
| Participant deferral / active EE | $8,072 | $4,215+91.5% | $2,778+190.5% | $6,407+26.0% |
| Admin fee / account holder | $344 | $6,188-94.4% | $4,260-91.9% | $12,270-97.2% |