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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 | $90,174 | $80,992+11.3% | $96,534-6.6% | $75,173+20.0% |
| Participation rate | 88.9% | 71.8%+17.1pp | 76.0%+12.9pp | 67.2%+21.7pp |
| Annual return | 19.64% | 27.05%-7.4pp | 25.88%-6.2pp | 160.72%-141.1pp |
| Employer contribution / active EE | $1,297 | $2,283-43.2% | $2,965-56.3% | $2,671-51.5% |
| Participant deferral / active EE | $6,247 | $3,929+59.0% | $4,851+28.8% | $4,126+51.4% |
| Admin fee / account holder | $2,903 | $6,717-56.8% | $8,253-64.8% | $5,651-48.6% |