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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 | $100,199 | $87,733+14.2% | $106,551-6.0% | $85,856+16.7% |
| Participation rate | 80.8% | 71.9%+8.8pp | 76.1%+4.6pp | 69.3%+11.5pp |
| Annual return | 17.83% | 21.86%-4.0pp | 26.80%-9.0pp | 318.58%-300.8pp |
| Employer contribution / active EE | $678 | $2,073-67.3% | $2,819-76.0% | $2,565-73.6% |
| Participant deferral / active EE | $4,487 | $3,469+29.3% | $4,398+2.0% | $3,952+13.5% |
| Admin fee / account holder | $1,752 | $6,767-74.1% | $7,408-76.3% | $6,261-72.0% |