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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 | $81,492 | $98,652-17.4% | $142,942-43.0% | $82,448-1.2% |
| Participation rate | 97.1% | 72.8%+24.4pp | 76.8%+20.3pp | 68.1%+29.1pp |
| Annual return | 17.01% | 22.65%-5.6pp | 113.70%-96.7pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,966 | $3,211-7.6% | $4,139-28.3% | $2,551+16.3% |
| Participant deferral / active EE | $7,902 | $5,580+41.6% | $7,128+10.9% | $4,139+90.9% |
| Admin fee / account holder | $10,757 | $8,078+33.2% | $12,475-13.8% | $7,234+48.7% |