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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 | $99,034 | $93,598+5.8% | $135,974-27.2% | $75,173+31.7% |
| Participation rate | 84.1% | 75.2%+8.9pp | 81.9%+2.2pp | 67.2%+16.9pp |
| Annual return | 19.46% | 30.89%-11.4pp | 68.30%-48.8pp | 160.72%-141.3pp |
| Employer contribution / active EE | $3,506 | $3,538-0.9% | $4,859-27.8% | $2,671+31.3% |
| Participant deferral / active EE | $6,383 | $6,405-0.4% | $7,760-17.7% | $4,126+54.7% |
| Admin fee / account holder | $3,551 | $6,978-49.1% | $10,767-67.0% | $5,651-37.2% |