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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 | $88,217 | $87,733+0.6% | $106,554-17.2% | $85,851+2.8% |
| Participation rate | 88.2% | 71.9%+16.3pp | 76.1%+12.1pp | 69.3%+18.9pp |
| Annual return | 13.58% | 21.86%-8.3pp | 26.80%-13.2pp | 318.63%-305.1pp |
| Employer contribution / active EE | $2,548 | $2,073+22.9% | $2,819-9.6% | $2,565-0.7% |
| Participant deferral / active EE | $4,903 | $3,469+41.3% | $4,398+11.5% | $3,952+24.0% |
| Admin fee / account holder | $6,102 | $6,767-9.8% | $7,408-17.6% | $6,261-2.5% |