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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 | $90,183 | $78,670+14.6% | $109,173-17.4% | $85,847+5.1% |
| Participation rate | 79.1% | 68.3%+10.8pp | 75.9%+3.2pp | 69.3%+9.8pp |
| Annual return | 16.13% | 25.09%-9.0pp | 25.75%-9.6pp | 318.61%-302.5pp |
| Employer contribution / active EE | $2,052 | $2,734-24.9% | $3,723-44.9% | $2,565-20.0% |
| Participant deferral / active EE | $3,389 | $3,467-2.3% | $4,654-27.2% | $3,952-14.2% |
| Admin fee / account holder | $8,952 | $5,469+63.7% | $6,755+32.5% | $6,261+43.0% |