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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 | $132,875 | $143,969-7.7% | $199,883-33.5% | $82,637+60.8% |
| Participation rate | 96.4% | 84.1%+12.3pp | 86.8%+9.7pp | 68.1%+28.4pp |
| Annual return | 17.68% | 25.67%-8.0pp | 43.81%-26.1pp | 53.51%-35.8pp |
| Employer contribution / active EE | $5,284 | $4,632+14.1% | $6,261-15.6% | $2,552+107.1% |
| Participant deferral / active EE | $11,285 | $6,937+62.7% | $9,138+23.5% | $4,126+173.5% |
| Admin fee / account holder | $2,901 | $14,597-80.1% | $17,268-83.2% | $7,339-60.5% |