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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 | $98,641 | $81,276+21.4% | $155,574-36.6% | $80,925+21.9% |
| Participation rate | 86.7% | 66.2%+20.4pp | 78.2%+8.5pp | 67.7%+19.0pp |
| Annual return | 12.12% | 33.36%-21.2pp | 64.87%-52.7pp | 35.65%-23.5pp |
| Employer contribution / active EE | $1,618 | $3,103-47.9% | $4,676-65.4% | $2,756-41.3% |
| Participant deferral / active EE | $2,814 | $3,453-18.5% | $5,629-50.0% | $4,299-34.5% |
| Admin fee / account holder | $9,501 | $7,993+18.9% | $15,914-40.3% | $6,940+36.9% |