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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 | $97,160 | $111,814-13.1% | $103,374-6.0% | $145,959-33.4% |
| Participation rate | 84.6% | 77.9%+6.7pp | 74.5%+10.1pp | 80.3%+4.3pp |
| Annual return | 14.30% | 24.77%-10.5pp | 24.89%-10.6pp | 561.95%-547.7pp |
| Employer contribution / active EE | $3,117 | $4,214-26.0% | $3,869-19.4% | $4,661-33.1% |
| Participant deferral / active EE | $6,582 | $5,618+17.2% | $5,058+30.1% | $6,689-1.6% |
| Admin fee / account holder | $325 | $9,754-96.7% | $8,394-96.1% | $13,398-97.6% |