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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 | $99,818 | $110,240-9.5% | $96,544+3.4% | $139,487-28.4% |
| Participation rate | 86.4% | 78.1%+8.2pp | 76.0%+10.4pp | 80.3%+6.0pp |
| Annual return | 14.13% | 26.41%-12.3pp | 25.88%-11.8pp | 373.84%-359.7pp |
| Employer contribution / active EE | $2,518 | $3,622-30.5% | $2,966-15.1% | $4,755-47.1% |
| Participant deferral / active EE | $7,675 | $5,549+38.3% | $4,851+58.2% | $6,713+14.3% |
| Admin fee / account holder | $4,485 | $11,602-61.3% | $8,254-45.7% | $11,407-60.7% |