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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 | $106,482 | $86,288+23.4% | $111,306-4.3% | $85,851+24.0% |
| Participation rate | 94.9% | 73.3%+21.5pp | 77.3%+17.6pp | 69.3%+25.6pp |
| Annual return | 12.21% | 19.99%-7.8pp | 54.67%-42.5pp | 318.63%-306.4pp |
| Employer contribution / active EE | $813 | $2,044-60.2% | $2,732-70.2% | $2,565-68.3% |
| Participant deferral / active EE | $4,452 | $3,641+22.3% | $4,488-0.8% | $3,952+12.6% |
| Admin fee / account holder | $3,303 | $8,189-59.7% | $7,966-58.5% | $6,261-47.2% |