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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 | $112,151 | $94,031+19.3% | $115,768-3.1% | $82,448+36.0% |
| Participation rate | 92.6% | 70.4%+22.2pp | 74.4%+18.2pp | 68.1%+24.5pp |
| Annual return | 12.99% | 20.61%-7.6pp | 100.46%-87.5pp | 41.64%-28.6pp |
| Employer contribution / active EE | $668 | $2,323-71.3% | $2,940-77.3% | $2,551-73.8% |
| Participant deferral / active EE | $4,095 | $3,972+3.1% | $4,917-16.7% | $4,139-1.1% |
| Admin fee / account holder | $1,643 | $10,249-84.0% | $12,439-86.8% | $7,234-77.3% |