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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 | $87,694 | $105,960-17.2% | $81,726+7.3% | $158,982-44.8% |
| Participation rate | 80.0% | 75.6%+4.4pp | 72.0%+8.0pp | 82.0%-2.0pp |
| Annual return | 11.77% | 38.19%-26.4pp | 29.49%-17.7pp | 302.99%-291.2pp |
| Employer contribution / active EE | $8,686 | $7,805+11.3% | $4,311+101.5% | $4,763+82.4% |
| Participant deferral / active EE | $1,600 | $13,011-87.7% | $7,108-77.5% | $5,983-73.3% |
| Admin fee / account holder | $8,051 | $8,494-5.2% | $5,160+56.0% | $11,252-28.4% |