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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 | $94,797 | $98,760-4.0% | $149,715-36.7% | $79,858+18.7% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 26.68% | 27.43%-0.7pp | 276.66%-250.0pp | 31.72%-5.0pp |
| Employer contribution / active EE | $2,948 | $3,217-8.4% | $4,645-36.5% | $2,471+19.3% |
| Participant deferral / active EE | $7,198 | $5,681+26.7% | $6,842+5.2% | $3,740+92.5% |
| Admin fee / account holder | $2,659 | $6,053-56.1% | $9,310-71.4% | $5,306-49.9% |