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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 | $87,302 | $97,648-10.6% | $121,663-28.2% | $87,485-0.2% |
| Participation rate | 86.7% | 70.5%+16.2pp | 74.5%+12.2pp | 68.9%+17.7pp |
| Annual return | 33.22% | 18.03%+15.2pp | 147.54%-114.3pp | 26.06%+7.2pp |
| Employer contribution / active EE | $1,917 | $2,300-16.7% | $3,020-36.5% | $2,596-26.2% |
| Participant deferral / active EE | $3,756 | $3,923-4.3% | $4,887-23.2% | $4,274-12.1% |
| Admin fee / account holder | $7,095 | $11,100-36.1% | $14,289-50.4% | $7,775-8.7% |