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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 | $97,302 | $97,125+0.2% | $86,233+12.8% | $137,256-29.1% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 18.73% | 74.19%-55.5pp | 61.39%-42.7pp | 220.34%-201.6pp |
| Employer contribution / active EE | $2,349 | $2,841-17.3% | $2,504-6.2% | $4,156-43.5% |
| Participant deferral / active EE | $7,722 | $5,180+49.1% | $4,559+69.4% | $6,407+20.5% |
| Admin fee / account holder | $1,652 | $9,725-83.0% | $8,342-80.2% | $12,270-86.5% |