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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 | $95,687 | $77,814+23.0% | $158,223-39.5% | $86,983+10.0% |
| Participation rate | 94.1% | 68.4%+25.7pp | 79.2%+14.9pp | 69.5%+24.6pp |
| Annual return | 16.14% | 30.54%-14.4pp | 52.09%-36.0pp | 25.83%-9.7pp |
| Employer contribution / active EE | $2,158 | $2,592-16.7% | $4,109-47.5% | $2,584-16.5% |
| Participant deferral / active EE | $4,986 | $3,270+52.5% | $5,467-8.8% | $4,194+18.9% |
| Admin fee / account holder | $11,597 | $5,879+97.3% | $16,047-27.7% | $7,856+47.6% |