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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 | $111,616 | $98,776+13.0% | $149,745-25.5% | $79,856+39.8% |
| Participation rate | 87.2% | 75.8%+11.4pp | 82.5%+4.8pp | 69.6%+17.6pp |
| Annual return | 13.09% | 27.38%-14.3pp | 276.72%-263.6pp | 31.71%-18.6pp |
| Employer contribution / active EE | $963 | $3,217-70.1% | $4,646-79.3% | $2,471-61.0% |
| Participant deferral / active EE | $6,247 | $5,681+10.0% | $6,843-8.7% | $3,741+67.0% |
| Admin fee / account holder | $9,329 | $6,053+54.1% | $9,312+0.2% | $5,306+75.8% |