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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 | $88,218 | $118,467-25.5% | $98,450-10.4% | $139,456-36.7% |
| Participation rate | 88.2% | 77.5%+10.8pp | 75.2%+13.1pp | 80.3%+7.9pp |
| Annual return | 17.43% | 18.95%-1.5pp | 21.16%-3.7pp | 373.45%-356.0pp |
| Employer contribution / active EE | $2,169 | $3,611-39.9% | $3,049-28.9% | $4,753-54.4% |
| Participant deferral / active EE | $5,952 | $5,393+10.4% | $4,739+25.6% | $6,711-11.3% |
| Admin fee / account holder | $9,689 | $14,057-31.1% | $8,961+8.1% | $11,407-15.1% |