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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 | $91,192 | $77,908+17.1% | $149,696-39.1% | $75,173+21.3% |
| Participation rate | 93.8% | 65.6%+28.2pp | 78.8%+15.0pp | 67.2%+26.5pp |
| Annual return | 15.76% | 31.73%-16.0pp | 134.46%-118.7pp | 160.72%-145.0pp |
| Employer contribution / active EE | $2,091 | $3,138-33.3% | $4,821-56.6% | $2,671-21.7% |
| Participant deferral / active EE | $5,802 | $3,411+70.1% | $5,682+2.1% | $4,126+40.6% |
| Admin fee / account holder | $2,912 | $5,950-51.0% | $13,212-78.0% | $5,651-48.5% |