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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 | $106,749+1.5% | $145,433-25.5% | $82,448+31.5% |
| Participation rate | 86.4% | 75.6%+10.7pp | 82.1%+4.2pp | 68.1%+18.3pp |
| Annual return | 14.21% | 27.59%-13.4pp | 66.58%-52.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $2,875 | $3,444-16.5% | $4,554-36.9% | $2,551+12.7% |
| Participant deferral / active EE | $9,051 | $6,519+38.9% | $7,897+14.6% | $4,139+118.7% |
| Admin fee / account holder | $3,275 | $8,390-61.0% | $13,129-75.1% | $7,234-54.7% |