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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 | $115,195 | $124,980-7.8% | $108,359+6.3% | $154,746-25.6% |
| Participation rate | 80.0% | 75.2%+4.8pp | 70.1%+9.9pp | 80.7%-0.7pp |
| Annual return | 18.73% | 45.00%-26.3pp | 36.89%-18.2pp | 172.34%-153.6pp |
| Employer contribution / active EE | $1,079 | $2,851-62.2% | $2,399-55.0% | $4,379-75.4% |
| Participant deferral / active EE | $9,879 | $4,743+108.3% | $4,137+138.8% | $6,730+46.8% |
| Admin fee / account holder | $3,151 | $11,502-72.6% | $9,741-67.7% | $14,365-78.1% |