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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 | $87,890 | $93,617-6.1% | $135,982-35.4% | $75,177+16.9% |
| Participation rate | 96.8% | 75.2%+21.6pp | 81.9%+14.9pp | 67.2%+29.6pp |
| Annual return | 17.49% | 30.89%-13.4pp | 68.32%-50.8pp | 160.75%-143.3pp |
| Employer contribution / active EE | $2,581 | $3,538-27.1% | $4,859-46.9% | $2,671-3.4% |
| Participant deferral / active EE | $3,256 | $6,406-49.2% | $7,760-58.0% | $4,126-21.1% |
| Admin fee / account holder | $2,428 | $6,980-65.2% | $10,767-77.4% | $5,651-57.0% |