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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 | $96,406 | $94,031+2.5% | $115,768-16.7% | $82,448+16.9% |
| Participation rate | 85.7% | 70.4%+15.3pp | 74.4%+11.3pp | 68.1%+17.6pp |
| Annual return | 14.69% | 20.61%-5.9pp | 100.46%-85.8pp | 41.64%-27.0pp |
| Employer contribution / active EE | $784 | $2,323-66.2% | $2,940-73.3% | $2,551-69.3% |
| Participant deferral / active EE | $4,850 | $3,972+22.1% | $4,917-1.4% | $4,139+17.2% |
| Admin fee / account holder | $6,245 | $10,249-39.1% | $12,439-49.8% | $7,234-13.7% |