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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 | $109,243 | $105,284+3.8% | $150,734-27.5% | $94,015+16.2% |
| Participation rate | 96.6% | 71.7%+24.8pp | 78.4%+18.1pp | 70.8%+25.7pp |
| Annual return | 11.02% | 15.67%-4.7pp | 600.81%-589.8pp | 17.84%-6.8pp |
| Employer contribution / active EE | $3,175 | $3,599-11.8% | $4,918-35.4% | $2,790+13.8% |
| Participant deferral / active EE | $3,366 | $4,274-21.2% | $5,610-40.0% | $4,249-20.8% |
| Admin fee / account holder | $5,691 | $9,839-42.2% | $14,905-61.8% | $8,951-36.4% |