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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 | $78,871 | $80,992-2.6% | $96,534-18.3% | $75,173+4.9% |
| Participation rate | 92.5% | 71.8%+20.7pp | 76.0%+16.5pp | 67.2%+25.3pp |
| Annual return | 14.51% | 27.05%-12.5pp | 25.88%-11.4pp | 160.72%-146.2pp |
| Employer contribution / active EE | $1,656 | $2,283-27.5% | $2,965-44.2% | $2,671-38.0% |
| Participant deferral / active EE | $6,623 | $3,929+68.6% | $4,851+36.5% | $4,126+60.5% |
| Admin fee / account holder | $7,498 | $6,717+11.6% | $8,253-9.2% | $5,651+32.7% |