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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 | $94,332 | $96,731-2.5% | $123,973-23.9% | $86,983+8.4% |
| Participation rate | 96.3% | 70.0%+26.3pp | 76.7%+19.6pp | 69.5%+26.8pp |
| Annual return | 13.21% | 17.33%-4.1pp | 388.13%-374.9pp | 25.83%-12.6pp |
| Employer contribution / active EE | $2,756 | $3,297-16.4% | $4,126-33.2% | $2,584+6.6% |
| Participant deferral / active EE | $5,242 | $4,152+26.3% | $5,247-0.1% | $4,194+25.0% |
| Admin fee / account holder | $4,466 | $8,722-48.8% | $11,799-62.1% | $7,856-43.2% |