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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 | $98,075 | $89,370+9.7% | $141,197-30.5% | $72,976+34.4% |
| Participation rate | 93.3% | 75.1%+18.2pp | 82.5%+10.9pp | 69.5%+23.8pp |
| Annual return | 21.43% | 111.88%-90.4pp | 71.41%-50.0pp | 81.02%-59.6pp |
| Employer contribution / active EE | $1,700 | $3,115-45.4% | $4,736-64.1% | $2,440-30.3% |
| Participant deferral / active EE | $3,646 | $5,419-32.7% | $6,710-45.7% | $3,608+1.1% |
| Admin fee / account holder | $1,143 | $5,957-80.8% | $10,265-88.9% | $5,124-77.7% |