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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 | $89,044 | $87,060+2.3% | $105,591-15.7% | $80,911+10.1% |
| Participation rate | 83.6% | 70.4%+13.2pp | 75.3%+8.4pp | 67.6%+16.0pp |
| Annual return | 30.42% | 17.05%+13.4pp | 116.43%-86.0pp | 35.63%-5.2pp |
| Employer contribution / active EE | $1,856 | $2,396-22.6% | $3,166-41.4% | $2,756-32.7% |
| Participant deferral / active EE | $2,638 | $3,986-33.8% | $5,008-47.3% | $4,297-38.6% |
| Admin fee / account holder | $6,689 | $8,442-20.8% | $11,024-39.3% | $6,935-3.5% |