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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 | $82,846 | $77,358+7.1% | $102,184-18.9% | $87,485-5.3% |
| Participation rate | 77.8% | 78.7%-0.9pp | 82.6%-4.8pp | 68.9%+8.8pp |
| Annual return | 20.01% | 41.11%-21.1pp | 31.58%-11.6pp | 26.06%-6.0pp |
| Employer contribution / active EE | $1,912 | $2,562-25.4% | $3,594-46.8% | $2,596-26.4% |
| Participant deferral / active EE | $9,421 | $6,753+39.5% | $8,309+13.4% | $4,274+120.4% |
| Admin fee / account holder | $3,389 | $6,809-50.2% | $11,609-70.8% | $7,775-56.4% |