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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 | $129,066 | $117,895+9.5% | $102,460+26.0% | $145,897-11.5% |
| Participation rate | 86.7% | 78.6%+8.0pp | 76.5%+10.2pp | 80.3%+6.4pp |
| Annual return | 21.44% | 31.92%-10.5pp | 29.47%-8.0pp | 552.29%-530.8pp |
| Employer contribution / active EE | $2,561 | $3,619-29.2% | $3,025-15.4% | $4,663-45.1% |
| Participant deferral / active EE | $10,649 | $5,736+85.6% | $5,056+110.6% | $6,689+59.2% |
| Admin fee / account holder | $7,929 | $13,353-40.6% | $9,460-16.2% | $13,390-40.8% |