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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 | $89,971 | $78,682+14.3% | $109,188-17.6% | $85,851+4.8% |
| Participation rate | 87.5% | 68.3%+19.2pp | 75.9%+11.6pp | 69.3%+18.2pp |
| Annual return | 16.52% | 25.09%-8.6pp | 25.76%-9.2pp | 318.63%-302.1pp |
| Employer contribution / active EE | $2,581 | $2,734-5.6% | $3,723-30.7% | $2,565+0.6% |
| Participant deferral / active EE | $6,547 | $3,468+88.8% | $4,654+40.7% | $3,952+65.6% |
| Admin fee / account holder | $1,681 | $5,470-69.3% | $6,755-75.1% | $6,261-73.1% |