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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 | $92,258 | $94,031-1.9% | $115,768-20.3% | $82,448+11.9% |
| Participation rate | 93.6% | 70.4%+23.2pp | 74.4%+19.2pp | 68.1%+25.5pp |
| Annual return | 15.00% | 20.61%-5.6pp | 100.46%-85.5pp | 41.64%-26.6pp |
| Employer contribution / active EE | $1,970 | $2,323-15.2% | $2,940-33.0% | $2,551-22.8% |
| Participant deferral / active EE | $6,112 | $3,972+53.9% | $4,917+24.3% | $4,139+47.7% |
| Admin fee / account holder | $18,008 | $10,249+75.7% | $12,439+44.8% | $7,234+148.9% |