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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 | $89,532 | $117,846-24.0% | $102,434-12.6% | $145,884-38.6% |
| Participation rate | 81.8% | 78.6%+3.2pp | 76.5%+5.3pp | 80.3%+1.5pp |
| Annual return | 9.39% | 31.90%-22.5pp | 29.46%-20.1pp | 551.85%-542.5pp |
| Employer contribution / active EE | $2,948 | $3,615-18.4% | $3,023-2.5% | $4,662-36.8% |
| Participant deferral / active EE | $7,107 | $5,733+24.0% | $5,055+40.6% | $6,690+6.2% |
| Admin fee / account holder | $1,712 | $13,356-87.2% | $9,462-81.9% | $13,392-87.2% |