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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 | $116,895 | $106,749+9.5% | $145,433-19.6% | $82,448+41.8% |
| Participation rate | 87.1% | 75.6%+11.4pp | 82.1%+5.0pp | 68.1%+19.0pp |
| Annual return | 16.96% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,950 | $3,444-43.4% | $4,554-57.2% | $2,551-23.6% |
| Participant deferral / active EE | $14,264 | $6,519+118.8% | $7,897+80.6% | $4,139+244.6% |
| Admin fee / account holder | $6,453 | $8,390-23.1% | $13,129-50.9% | $7,234-10.8% |