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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 | $84,193 | $93,346-9.8% | $71,796+17.3% | $273,972-69.3% |
| Participation rate | 93.8% | 76.5%+17.2pp | 69.1%+24.6pp | 83.0%+10.7pp |
| Annual return | 7.26% | 130.39%-123.1pp | 78.04%-70.8pp | 41.46%-34.2pp |
| Employer contribution / active EE | $2,638 | $2,733-3.5% | $1,924+37.1% | $4,869-45.8% |
| Participant deferral / active EE | $3,997 | $3,475+15.0% | $2,794+43.0% | $5,287-24.4% |
| Admin fee / account holder | $2,507 | $6,571-61.8% | $4,815-47.9% | $10,133-75.3% |