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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 | $84,585 | $81,358+4.0% | $155,556-45.6% | $80,959+4.5% |
| Participation rate | 88.9% | 66.3%+22.6pp | 78.2%+10.7pp | 67.7%+21.2pp |
| Annual return | 10.97% | 33.39%-22.4pp | 64.84%-53.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $533 | $3,106-82.9% | $4,675-88.6% | $2,757-80.7% |
| Participant deferral / active EE | $1,974 | $3,455-42.9% | $5,631-64.9% | $4,300-54.1% |
| Admin fee / account holder | $1,137 | $7,994-85.8% | $15,885-92.8% | $6,925-83.6% |