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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 | $120,953 | $107,421+12.6% | $182,262-33.6% | $94,015+28.7% |
| Participation rate | 84.0% | 77.8%+6.2pp | 84.2%-0.2pp | 70.8%+13.2pp |
| Annual return | 20.70% | 21.32%-0.6pp | 140.60%-119.9pp | 17.84%+2.9pp |
| Employer contribution / active EE | $2,211 | $3,448-35.9% | $5,046-56.2% | $2,790-20.8% |
| Participant deferral / active EE | $6,289 | $6,558-4.1% | $8,276-24.0% | $4,249+48.0% |
| Admin fee / account holder | $408 | $8,692-95.3% | $16,712-97.6% | $8,951-95.4% |