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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 | $97,648-18.8% | $121,663-34.8% | $87,485-9.3% |
| Participation rate | 90.6% | 70.5%+20.2pp | 74.5%+16.1pp | 68.9%+21.7pp |
| Annual return | 15.66% | 18.03%-2.4pp | 147.54%-131.9pp | 26.06%-10.4pp |
| Employer contribution / active EE | $1,988 | $2,300-13.6% | $3,020-34.2% | $2,596-23.4% |
| Participant deferral / active EE | $6,122 | $3,923+56.0% | $4,887+25.3% | $4,274+43.3% |
| Admin fee / account holder | $7,558 | $11,100-31.9% | $14,289-47.1% | $7,775-2.8% |