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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 | $100,594 | $110,212-8.7% | $96,534+4.2% | $139,466-27.9% |
| Participation rate | 92.9% | 78.1%+14.7pp | 76.0%+16.9pp | 80.3%+12.5pp |
| Annual return | 16.48% | 26.42%-9.9pp | 25.88%-9.4pp | 373.66%-357.2pp |
| Employer contribution / active EE | $2,407 | $3,620-33.5% | $2,965-18.8% | $4,754-49.4% |
| Participant deferral / active EE | $6,781 | $5,547+22.2% | $4,851+39.8% | $6,712+1.0% |
| Admin fee / account holder | $1,754 | $11,599-84.9% | $8,253-78.7% | $11,409-84.6% |