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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 | $82,999 | $101,763-18.4% | $164,866-49.7% | $80,874+2.6% |
| Participation rate | 95.2% | 71.8%+23.4pp | 78.6%+16.6pp | 67.6%+27.6pp |
| Annual return | 14.45% | 16.73%-2.3pp | 69.97%-55.5pp | 35.62%-21.2pp |
| Employer contribution / active EE | $3,755 | $2,954+27.1% | $4,343-13.5% | $2,756+36.3% |
| Participant deferral / active EE | $8,817 | $4,477+97.0% | $6,033+46.1% | $4,297+105.2% |
| Admin fee / account holder | $2,745 | $8,228-66.6% | $12,689-78.4% | $6,935-60.4% |