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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 | $85,309 | $97,648-12.6% | $121,663-29.9% | $87,485-2.5% |
| Participation rate | 75.8% | 70.5%+5.3pp | 74.5%+1.3pp | 68.9%+6.9pp |
| Annual return | 16.53% | 18.03%-1.5pp | 147.54%-131.0pp | 26.06%-9.5pp |
| Employer contribution / active EE | $2,807 | $2,300+22.0% | $3,020-7.1% | $2,596+8.1% |
| Participant deferral / active EE | $4,958 | $3,923+26.4% | $4,887+1.4% | $4,274+16.0% |
| Admin fee / account holder | $334 | $11,100-97.0% | $14,289-97.7% | $7,775-95.7% |