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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 | $108,550 | $101,795+6.6% | $165,100-34.3% | $80,959+34.1% |
| Participation rate | 92.3% | 71.8%+20.5pp | 78.6%+13.7pp | 67.7%+24.6pp |
| Annual return | 20.12% | 16.73%+3.4pp | 70.21%-50.1pp | 35.67%-15.6pp |
| Employer contribution / active EE | $1,438 | $2,954-51.3% | $4,348-66.9% | $2,757-47.8% |
| Participant deferral / active EE | $8,515 | $4,476+90.2% | $6,035+41.1% | $4,300+98.0% |
| Admin fee / account holder | $7,534 | $8,221-8.4% | $12,696-40.7% | $6,925+8.8% |