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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 | $90,336 | $100,073-9.7% | $85,126+6.1% | $145,877-38.1% |
| Participation rate | 73.3% | 74.1%-0.8pp | 67.5%+5.8pp | 80.3%-7.0pp |
| Annual return | 11.35% | 84.11%-72.8pp | 66.63%-55.3pp | 551.28%-539.9pp |
| Employer contribution / active EE | $2,552 | $3,236-21.1% | $2,731-6.6% | $4,663-45.3% |
| Participant deferral / active EE | $3,989 | $5,294-24.7% | $4,523-11.8% | $6,691-40.4% |
| Admin fee / account holder | $1,989 | $7,261-72.6% | $6,160-67.7% | $13,402-85.2% |