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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 | $96,658 | $106,864-9.6% | $147,318-34.4% | $82,637+17.0% |
| Participation rate | 93.3% | 75.5%+17.8pp | 82.1%+11.3pp | 68.1%+25.3pp |
| Annual return | 15.41% | 27.49%-12.1pp | 70.43%-55.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $3,436 | $3,417+0.6% | $4,593-25.2% | $2,552+34.6% |
| Participant deferral / active EE | $9,259 | $6,496+42.5% | $7,906+17.1% | $4,126+124.4% |
| Admin fee / account holder | $1,909 | $8,415-77.3% | $13,708-86.1% | $7,339-74.0% |