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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 | $95,884 | $106,749-10.2% | $145,433-34.1% | $82,448+16.3% |
| Participation rate | 96.0% | 75.6%+20.4pp | 82.1%+13.9pp | 68.1%+27.9pp |
| Annual return | 17.94% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,840 | $3,444-46.6% | $4,554-59.6% | $2,551-27.9% |
| Participant deferral / active EE | $15,242 | $6,519+133.8% | $7,897+93.0% | $4,139+268.2% |
| Admin fee / account holder | $18,916 | $8,390+125.5% | $13,129+44.1% | $7,234+161.5% |