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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 | $93,782 | $99,875-6.1% | $146,866-36.1% | $86,983+7.8% |
| Participation rate | 90.2% | 75.8%+14.4pp | 82.5%+7.7pp | 69.5%+20.7pp |
| Annual return | 17.19% | 28.10%-10.9pp | 102.85%-85.7pp | 25.83%-8.6pp |
| Employer contribution / active EE | $908 | $3,224-71.8% | $4,425-79.5% | $2,584-64.9% |
| Participant deferral / active EE | $7,162 | $6,322+13.3% | $7,759-7.7% | $4,194+70.8% |
| Admin fee / account holder | $1,262 | $7,838-83.9% | $13,620-90.7% | $7,856-83.9% |