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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 | $91,106 | $96,731-5.8% | $123,973-26.5% | $86,983+4.7% |
| Participation rate | 95.5% | 70.0%+25.4pp | 76.7%+18.8pp | 69.5%+25.9pp |
| Annual return | 19.46% | 17.33%+2.1pp | 388.13%-368.7pp | 25.83%-6.4pp |
| Employer contribution / active EE | $2,370 | $3,297-28.1% | $4,126-42.6% | $2,584-8.3% |
| Participant deferral / active EE | $8,509 | $4,152+104.9% | $5,247+62.2% | $4,194+102.9% |
| Admin fee / account holder | $2,978 | $8,722-65.9% | $11,799-74.8% | $7,856-62.1% |