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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 | $129,557 | $99,032+30.8% | $80,022+61.9% | $135,382-4.3% |
| Participation rate | 90.9% | 78.4%+12.6pp | 75.8%+15.1pp | 82.6%+8.3pp |
| Annual return | 8.54% | 15.39%-6.8pp | 11.22%-2.7pp | 519.77%-511.2pp |
| Employer contribution / active EE | $1,666 | $3,043-45.3% | $2,468-32.5% | $4,779-65.1% |
| Participant deferral / active EE | $4,027 | $4,282-6.0% | $3,686+9.3% | $5,609-28.2% |
| Admin fee / account holder | $2,727 | $10,436-73.9% | $6,521-58.2% | $10,829-74.8% |