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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 | $82,968 | $98,776-16.0% | $149,745-44.6% | $79,856+3.9% |
| Participation rate | 90.9% | 75.8%+15.1pp | 82.5%+8.4pp | 69.6%+21.3pp |
| Annual return | 16.46% | 27.38%-10.9pp | 276.72%-260.3pp | 31.71%-15.3pp |
| Employer contribution / active EE | $1,084 | $3,217-66.3% | $4,646-76.7% | $2,471-56.2% |
| Participant deferral / active EE | $5,453 | $5,681-4.0% | $6,843-20.3% | $3,741+45.8% |
| Admin fee / account holder | $4,089 | $6,053-32.4% | $9,312-56.1% | $5,306-22.9% |