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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 | $100,920 | $136,860-26.3% | $120,344-16.1% | $154,746-34.8% |
| Participation rate | 83.3% | 79.9%+3.4pp | 76.7%+6.6pp | 80.7%+2.6pp |
| Annual return | 12.35% | 21.38%-9.0pp | 20.30%-8.0pp | 172.34%-160.0pp |
| Employer contribution / active EE | $1,833 | $3,533-48.1% | $3,020-39.3% | $4,379-58.1% |
| Participant deferral / active EE | $8,559 | $5,793+47.7% | $5,135+66.7% | $6,730+27.2% |
| Admin fee / account holder | $794 | $15,393-94.8% | $12,742-93.8% | $14,365-94.5% |