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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 | $87,824 | $88,672-1.0% | $105,223-16.5% | $82,448+6.5% |
| Participation rate | 70.9% | 67.9%+3.0pp | 75.0%-4.1pp | 68.1%+2.8pp |
| Annual return | 26.41% | 30.86%-4.4pp | 180.65%-154.2pp | 41.64%-15.2pp |
| Employer contribution / active EE | $2,819 | $3,048-7.5% | $3,689-23.6% | $2,551+10.5% |
| Participant deferral / active EE | $5,676 | $4,036+40.6% | $5,072+11.9% | $4,139+37.1% |
| Admin fee / account holder | $2,578 | $7,146-63.9% | $8,859-70.9% | $7,234-64.4% |