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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 | $79,393 | $96,731-17.9% | $123,973-36.0% | $86,983-8.7% |
| Participation rate | 88.9% | 70.0%+18.9pp | 76.7%+12.2pp | 69.5%+19.3pp |
| Annual return | 13.51% | 17.33%-3.8pp | 388.13%-374.6pp | 25.83%-12.3pp |
| Employer contribution / active EE | $4,981 | $3,297+51.1% | $4,126+20.7% | $2,584+92.7% |
| Participant deferral / active EE | $3,689 | $4,152-11.2% | $5,247-29.7% | $4,194-12.0% |
| Admin fee / account holder | $1,352 | $8,722-84.5% | $11,799-88.5% | $7,856-82.8% |