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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 | $87,786 | $108,825-19.3% | $156,181-43.8% | $82,448+6.5% |
| Participation rate | 97.5% | 72.4%+25.1pp | 78.8%+18.7pp | 68.1%+29.4pp |
| Annual return | 17.43% | 20.59%-3.2pp | 64.87%-47.4pp | 41.64%-24.2pp |
| Employer contribution / active EE | $3,737 | $2,870+30.2% | $4,294-13.0% | $2,551+46.5% |
| Participant deferral / active EE | $7,940 | $4,577+73.5% | $6,132+29.5% | $4,139+91.8% |
| Admin fee / account holder | $1,112 | $9,341-88.1% | $14,586-92.4% | $7,234-84.6% |