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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 | $105,931 | $98,776+7.2% | $149,745-29.3% | $79,856+32.7% |
| Participation rate | 97.8% | 75.8%+22.0pp | 82.5%+15.3pp | 69.6%+28.2pp |
| Annual return | 20.37% | 27.38%-7.0pp | 276.72%-256.3pp | 31.71%-11.3pp |
| Employer contribution / active EE | $2,489 | $3,217-22.7% | $4,646-46.4% | $2,471+0.7% |
| Participant deferral / active EE | $11,677 | $5,681+105.5% | $6,843+70.6% | $3,741+212.2% |
| Admin fee / account holder | $1,355 | $6,053-77.6% | $9,312-85.5% | $5,306-74.5% |