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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 | $79,308 | $94,031-15.7% | $115,768-31.5% | $82,448-3.8% |
| Participation rate | 90.6% | 70.4%+20.2pp | 74.4%+16.2pp | 68.1%+22.6pp |
| Annual return | 15.66% | 20.61%-4.9pp | 100.46%-84.8pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,988 | $2,323-14.5% | $2,940-32.4% | $2,551-22.1% |
| Participant deferral / active EE | $6,122 | $3,972+54.1% | $4,917+24.5% | $4,139+47.9% |
| Admin fee / account holder | $7,558 | $10,249-26.3% | $12,439-39.2% | $7,234+4.5% |