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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 | $99,715 | $106,280-6.2% | $96,538+3.3% | $139,487-28.5% |
| Participation rate | 85.7% | 77.8%+7.9pp | 74.3%+11.4pp | 80.3%+5.4pp |
| Annual return | 15.20% | 38.48%-23.3pp | 35.74%-20.5pp | 373.84%-358.6pp |
| Employer contribution / active EE | $3,813 | $4,107-7.1% | $3,740+2.0% | $4,755-19.8% |
| Participant deferral / active EE | $9,930 | $5,457+82.0% | $4,880+103.5% | $6,713+47.9% |
| Admin fee / account holder | $2,753 | $7,888-65.1% | $6,737-59.1% | $11,407-75.9% |