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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 | $90,546 | $99,994-9.4% | $146,643-38.3% | $85,847+5.5% |
| Participation rate | 94.3% | 73.1%+21.2pp | 80.1%+14.2pp | 69.3%+25.0pp |
| Annual return | 16.24% | 18.93%-2.7pp | 22.75%-6.5pp | 318.61%-302.4pp |
| Employer contribution / active EE | $1,644 | $2,559-35.8% | $4,137-60.3% | $2,565-35.9% |
| Participant deferral / active EE | $3,850 | $4,006-3.9% | $5,506-30.1% | $3,952-2.6% |
| Admin fee / account holder | $5,035 | $7,703-34.6% | $10,280-51.0% | $6,261-19.6% |