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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 | $108,385 | $99,875+8.5% | $146,866-26.2% | $86,983+24.6% |
| Participation rate | 86.4% | 75.8%+10.6pp | 82.5%+3.9pp | 69.5%+16.8pp |
| Annual return | 14.21% | 28.10%-13.9pp | 102.85%-88.6pp | 25.83%-11.6pp |
| Employer contribution / active EE | $2,875 | $3,224-10.8% | $4,425-35.0% | $2,584+11.3% |
| Participant deferral / active EE | $9,051 | $6,322+43.2% | $7,759+16.7% | $4,194+115.8% |
| Admin fee / account holder | $3,275 | $7,838-58.2% | $13,620-76.0% | $7,856-58.3% |