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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 | $87,133 | $90,400-3.6% | $186,193-53.2% | $87,485-0.4% |
| Participation rate | 90.6% | 66.2%+24.4pp | 77.1%+13.5pp | 68.9%+21.6pp |
| Annual return | 15.80% | 22.15%-6.4pp | 78.03%-62.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,030 | $2,170-6.5% | $3,918-48.2% | $2,596-21.8% |
| Participant deferral / active EE | $5,314 | $4,330+22.7% | $6,513-18.4% | $4,274+24.3% |
| Admin fee / account holder | $3,746 | $8,673-56.8% | $11,058-66.1% | $7,775-51.8% |