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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 | $101,950-9.5% | $125,529-26.5% | $86,983+6.1% |
| Participation rate | 93.6% | 70.2%+23.5pp | 74.7%+18.9pp | 69.5%+24.1pp |
| Annual return | 15.00% | 18.29%-3.3pp | 202.56%-187.6pp | 25.83%-10.8pp |
| Employer contribution / active EE | $1,970 | $2,358-16.5% | $3,058-35.6% | $2,584-23.8% |
| Participant deferral / active EE | $6,112 | $3,862+58.3% | $4,813+27.0% | $4,194+45.7% |
| Admin fee / account holder | $18,008 | $12,791+40.8% | $16,298+10.5% | $7,856+129.2% |