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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 | $90,905 | $96,731-6.0% | $123,973-26.7% | $86,983+4.5% |
| Participation rate | 73.6% | 70.0%+3.6pp | 76.7%-3.1pp | 69.5%+4.0pp |
| Annual return | 13.68% | 17.33%-3.6pp | 388.13%-374.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $960 | $3,297-70.9% | $4,126-76.7% | $2,584-62.9% |
| Participant deferral / active EE | $3,886 | $4,152-6.4% | $5,247-25.9% | $4,194-7.3% |
| Admin fee / account holder | $737 | $8,722-91.5% | $11,799-93.7% | $7,856-90.6% |