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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 | $104,916 | $135,956-22.8% | $123,894-15.3% | $273,972-61.7% |
| Participation rate | 90.9% | 84.1%+6.8pp | 81.4%+9.5pp | 83.0%+7.9pp |
| Annual return | 5.78% | 56.63%-50.8pp | 47.52%-41.7pp | 41.46%-35.7pp |
| Employer contribution / active EE | $2,841 | $5,170-45.1% | $4,617-38.5% | $4,869-41.7% |
| Participant deferral / active EE | $6,498 | $6,343+2.5% | $5,984+8.6% | $5,287+22.9% |
| Admin fee / account holder | $550 | $9,817-94.4% | $8,357-93.4% | $10,133-94.6% |