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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 | $94,830 | $88,672+6.9% | $105,223-9.9% | $82,448+15.0% |
| Participation rate | 81.3% | 67.9%+13.3pp | 75.0%+6.2pp | 68.1%+13.2pp |
| Annual return | 13.01% | 30.86%-17.8pp | 180.65%-167.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $3,328 | $3,048+9.2% | $3,689-9.8% | $2,551+30.5% |
| Participant deferral / active EE | $6,983 | $4,036+73.0% | $5,072+37.7% | $4,139+68.7% |
| Admin fee / account holder | $6,824 | $7,146-4.5% | $8,859-23.0% | $7,234-5.7% |