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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 | $88,808 | $93,598-5.1% | $135,974-34.7% | $75,173+18.1% |
| Participation rate | 96.2% | 75.2%+21.0pp | 81.9%+14.2pp | 67.2%+29.0pp |
| Annual return | 16.97% | 30.89%-13.9pp | 68.30%-51.3pp | 160.72%-143.8pp |
| Employer contribution / active EE | $2,928 | $3,538-17.2% | $4,859-39.7% | $2,671+9.6% |
| Participant deferral / active EE | $6,688 | $6,405+4.4% | $7,760-13.8% | $4,126+62.1% |
| Admin fee / account holder | $1,832 | $6,978-73.8% | $10,767-83.0% | $5,651-67.6% |