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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 | $85,225 | $112,729-24.4% | $98,716-13.7% | $137,256-37.9% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 16.26% | 38.48%-22.2pp | 31.81%-15.5pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,139 | $2,725-21.5% | $2,279-6.1% | $4,156-48.5% |
| Participant deferral / active EE | $7,718 | $4,640+66.3% | $4,048+90.7% | $6,407+20.5% |
| Admin fee / account holder | $1,872 | $10,129-81.5% | $8,703-78.5% | $12,270-84.7% |