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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 | $117,130 | $106,247+10.2% | $96,515+21.4% | $139,466-16.0% |
| Participation rate | 95.5% | 77.8%+17.6pp | 74.3%+21.1pp | 80.3%+15.1pp |
| Annual return | 13.41% | 38.47%-25.1pp | 35.73%-22.3pp | 373.66%-360.3pp |
| Employer contribution / active EE | $1,812 | $4,106-55.9% | $3,740-51.5% | $4,754-61.9% |
| Participant deferral / active EE | $4,752 | $5,456-12.9% | $4,880-2.6% | $6,712-29.2% |
| Admin fee / account holder | $5,238 | $7,885-33.6% | $6,735-22.2% | $11,409-54.1% |