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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 | $116,049 | $108,825+6.6% | $156,181-25.7% | $82,448+40.8% |
| Participation rate | 86.2% | 72.4%+13.8pp | 78.8%+7.4pp | 68.1%+18.1pp |
| Annual return | 18.11% | 20.59%-2.5pp | 64.87%-46.8pp | 41.64%-23.5pp |
| Employer contribution / active EE | $2,073 | $2,870-27.8% | $4,294-51.7% | $2,551-18.7% |
| Participant deferral / active EE | $3,741 | $4,577-18.3% | $6,132-39.0% | $4,139-9.6% |
| Admin fee / account holder | $348 | $9,341-96.3% | $14,586-97.6% | $7,234-95.2% |