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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 | $93,438 | $108,825-14.1% | $156,181-40.2% | $82,448+13.3% |
| Participation rate | 96.4% | 72.4%+24.1pp | 78.8%+17.6pp | 68.1%+28.4pp |
| Annual return | 18.32% | 20.59%-2.3pp | 64.87%-46.6pp | 41.64%-23.3pp |
| Employer contribution / active EE | $3,051 | $2,870+6.3% | $4,294-29.0% | $2,551+19.6% |
| Participant deferral / active EE | $7,805 | $4,577+70.5% | $6,132+27.3% | $4,139+88.6% |
| Admin fee / account holder | $2,622 | $9,341-71.9% | $14,586-82.0% | $7,234-63.8% |