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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 | $100,024 | $105,145-4.9% | $94,664+5.7% | $139,466-28.3% |
| Participation rate | 90.0% | 82.4%+7.6pp | 80.8%+9.2pp | 80.3%+9.7pp |
| Annual return | 18.25% | 38.09%-19.8pp | 156.84%-138.6pp | 373.66%-355.4pp |
| Employer contribution / active EE | $3,583 | $4,107-12.8% | $3,673-2.5% | $4,754-24.6% |
| Participant deferral / active EE | $9,059 | $7,599+19.2% | $7,417+22.1% | $6,712+35.0% |
| Admin fee / account holder | $2,308 | $8,972-74.3% | $7,222-68.0% | $11,409-79.8% |