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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 | $87,319 | $99,994-12.7% | $146,643-40.5% | $85,847+1.7% |
| Participation rate | 97.1% | 73.1%+24.0pp | 80.1%+17.0pp | 69.3%+27.7pp |
| Annual return | 13.70% | 18.93%-5.2pp | 22.75%-9.1pp | 318.61%-304.9pp |
| Employer contribution / active EE | $2,196 | $2,559-14.2% | $4,137-46.9% | $2,565-14.4% |
| Participant deferral / active EE | $5,334 | $4,006+33.1% | $5,506-3.1% | $3,952+35.0% |
| Admin fee / account holder | $1,356 | $7,703-82.4% | $10,280-86.8% | $6,261-78.3% |