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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 | $95,942 | $93,617+2.5% | $135,982-29.4% | $75,177+27.6% |
| Participation rate | 86.7% | 75.2%+11.5pp | 81.9%+4.7pp | 67.2%+19.5pp |
| Annual return | 17.43% | 30.89%-13.5pp | 68.32%-50.9pp | 160.75%-143.3pp |
| Employer contribution / active EE | $4,499 | $3,538+27.1% | $4,859-7.4% | $2,671+68.4% |
| Participant deferral / active EE | $9,600 | $6,406+49.9% | $7,760+23.7% | $4,126+132.6% |
| Admin fee / account holder | $3,712 | $6,980-46.8% | $10,767-65.5% | $5,651-34.3% |