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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 | $95,214 | $86,298+10.3% | $111,308-14.5% | $85,847+10.9% |
| Participation rate | 85.3% | 73.3%+12.0pp | 77.3%+8.0pp | 69.3%+16.0pp |
| Annual return | 14.02% | 19.99%-6.0pp | 54.67%-40.6pp | 318.61%-304.6pp |
| Employer contribution / active EE | $2,325 | $2,044+13.8% | $2,732-14.9% | $2,565-9.4% |
| Participant deferral / active EE | $6,115 | $3,641+67.9% | $4,487+36.3% | $3,952+54.7% |
| Admin fee / account holder | $1,767 | $8,189-78.4% | $7,965-77.8% | $6,261-71.8% |