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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 | $88,170 | $87,166+1.2% | $76,735+14.9% | $137,256-35.8% |
| Participation rate | 91.7% | 74.4%+17.3pp | 69.5%+22.2pp | 80.0%+11.7pp |
| Annual return | 12.34% | 26.50%-14.2pp | 29.77%-17.4pp | 220.34%-208.0pp |
| Employer contribution / active EE | $5,544 | $2,904+90.9% | $2,454+125.9% | $4,156+33.4% |
| Participant deferral / active EE | $6,578 | $4,726+39.2% | $4,088+60.9% | $6,407+2.7% |
| Admin fee / account holder | $2,939 | $8,403-65.0% | $7,189-59.1% | $12,270-76.0% |