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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 | $112,793 | $77,817+44.9% | $123,553-8.7% | $64,173+75.8% |
| Participation rate | 93.3% | 74.7%+18.6pp | 82.3%+11.0pp | 69.6%+23.8pp |
| Annual return | 4.91% | 12.49%-7.6pp | 119.21%-114.3pp | 7.63%-2.7pp |
| Employer contribution / active EE | $2,281 | $3,014-24.3% | $4,628-50.7% | $2,381-4.2% |
| Participant deferral / active EE | $3,906 | $5,240-25.5% | $6,426-39.2% | $3,470+12.6% |
| Admin fee / account holder | $781 | $5,519-85.9% | $9,284-91.6% | $4,887-84.0% |