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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 | $107,079-23.9% | $151,266-46.1% | $87,485-6.8% |
| Participation rate | 97.1% | 71.1%+26.1pp | 77.0%+20.2pp | 68.9%+28.2pp |
| Annual return | 17.01% | 22.17%-5.2pp | 180.60%-163.6pp | 26.06%-9.0pp |
| Employer contribution / active EE | $2,966 | $3,174-6.6% | $4,237-30.0% | $2,596+14.2% |
| Participant deferral / active EE | $7,902 | $5,789+36.5% | $7,337+7.7% | $4,274+84.9% |
| Admin fee / account holder | $10,757 | $8,059+33.5% | $13,159-18.3% | $7,775+38.4% |