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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 | $98,500 | $100,805-2.3% | $86,698+13.6% | $134,532-26.8% |
| Participation rate | 91.3% | 79.0%+12.4pp | 76.6%+14.7pp | 81.2%+10.1pp |
| Annual return | 11.53% | 29.09%-17.6pp | 35.95%-24.4pp | 418.27%-406.7pp |
| Employer contribution / active EE | $2,237 | $3,490-35.9% | $2,837-21.1% | $4,741-52.8% |
| Participant deferral / active EE | $3,480 | $5,339-34.8% | $4,656-25.3% | $6,401-45.6% |
| Admin fee / account holder | $2,997 | $10,925-72.6% | $7,493-60.0% | $11,429-73.8% |