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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 | $106,864+1.4% | $147,318-26.4% | $82,637+31.2% |
| Participation rate | 86.4% | 75.5%+10.9pp | 82.1%+4.3pp | 68.1%+18.3pp |
| Annual return | 14.21% | 27.49%-13.3pp | 70.43%-56.2pp | 53.51%-39.3pp |
| Employer contribution / active EE | $2,875 | $3,417-15.8% | $4,593-37.4% | $2,552+12.7% |
| Participant deferral / active EE | $9,051 | $6,496+39.3% | $7,906+14.5% | $4,126+119.4% |
| Admin fee / account holder | $3,275 | $8,415-61.1% | $13,708-76.1% | $7,339-55.4% |