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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 | $88,921 | $115,225-22.8% | $100,712-11.7% | $138,895-36.0% |
| Participation rate | 88.9% | 74.3%+14.6pp | 69.3%+19.6pp | 79.9%+9.0pp |
| Annual return | 20.27% | 40.35%-20.1pp | 33.27%-13.0pp | 145.39%-125.1pp |
| Employer contribution / active EE | $2,417 | $2,771-12.8% | $2,313+4.5% | $4,194-42.4% |
| Participant deferral / active EE | $5,894 | $4,699+25.4% | $4,085+44.3% | $6,396-7.9% |
| Admin fee / account holder | $335 | $10,844-96.9% | $9,256-96.4% | $12,562-97.3% |