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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 | $99,727 | $78,682+26.7% | $109,188-8.7% | $85,851+16.2% |
| Participation rate | 78.1% | 68.3%+9.8pp | 75.9%+2.2pp | 69.3%+8.8pp |
| Annual return | 13.15% | 25.09%-11.9pp | 25.76%-12.6pp | 318.63%-305.5pp |
| Employer contribution / active EE | $2,126 | $2,734-22.2% | $3,723-42.9% | $2,565-17.1% |
| Participant deferral / active EE | $2,979 | $3,468-14.1% | $4,654-36.0% | $3,952-24.6% |
| Admin fee / account holder | $4,943 | $5,470-9.6% | $6,755-26.8% | $6,261-21.1% |