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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 | $94,544 | $93,345+1.3% | $119,126-20.6% | $87,485+8.1% |
| Participation rate | 71.7% | 68.7%+3.0pp | 75.8%-4.0pp | 68.9%+2.8pp |
| Annual return | 12.83% | 19.08%-6.3pp | 282.11%-269.3pp | 26.06%-13.2pp |
| Employer contribution / active EE | $2,179 | $3,172-31.3% | $4,034-46.0% | $2,596-16.1% |
| Participant deferral / active EE | $4,770 | $4,099+16.4% | $5,318-10.3% | $4,274+11.6% |
| Admin fee / account holder | $2,767 | $8,039-65.6% | $10,693-74.1% | $7,775-64.4% |