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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 | $99,614 | $101,795-2.1% | $165,100-39.7% | $80,959+23.0% |
| Participation rate | 84.1% | 71.8%+12.3pp | 78.6%+5.5pp | 67.7%+16.4pp |
| Annual return | 12.01% | 16.73%-4.7pp | 70.21%-58.2pp | 35.67%-23.7pp |
| Employer contribution / active EE | $2,072 | $2,954-29.9% | $4,348-52.4% | $2,757-24.9% |
| Participant deferral / active EE | $4,066 | $4,476-9.2% | $6,035-32.6% | $4,300-5.5% |
| Admin fee / account holder | $1,413 | $8,221-82.8% | $12,696-88.9% | $6,925-79.6% |