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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 | $97,648+14.9% | $121,663-7.8% | $87,485+28.2% |
| Participation rate | 92.6% | 70.5%+22.1pp | 74.5%+18.1pp | 68.9%+23.7pp |
| Annual return | 12.99% | 18.03%-5.0pp | 147.54%-134.6pp | 26.06%-13.1pp |
| Employer contribution / active EE | $668 | $2,300-71.0% | $3,020-77.9% | $2,596-74.3% |
| Participant deferral / active EE | $4,095 | $3,923+4.4% | $4,887-16.2% | $4,274-4.2% |
| Admin fee / account holder | $1,643 | $11,100-85.2% | $14,289-88.5% | $7,775-78.9% |