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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 | $92,925 | $73,940+25.7% | $96,496-3.7% | $75,173+23.6% |
| Participation rate | 80.8% | 66.4%+14.3pp | 74.3%+6.4pp | 67.2%+13.6pp |
| Annual return | 17.03% | 26.71%-9.7pp | 35.70%-18.7pp | 160.65%-143.6pp |
| Employer contribution / active EE | $2,684 | $2,929-8.4% | $3,738-28.2% | $2,670+0.5% |
| Participant deferral / active EE | $6,863 | $3,659+87.6% | $4,879+40.7% | $4,126+66.3% |
| Admin fee / account holder | $2,423 | $5,216-53.6% | $6,731-64.0% | $5,651-57.1% |