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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 | $91,729 | $78,690+16.6% | $161,489-43.2% | $87,485+4.9% |
| Participation rate | 92.6% | 67.5%+25.1pp | 78.7%+13.9pp | 68.9%+23.7pp |
| Annual return | 14.66% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $1,985 | $2,588-23.3% | $4,268-53.5% | $2,596-23.5% |
| Participant deferral / active EE | $5,190 | $3,311+56.8% | $5,630-7.8% | $4,274+21.4% |
| Admin fee / account holder | $1,255 | $6,724-81.3% | $16,006-92.2% | $7,775-83.9% |