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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 | $103,855 | $98,766+5.2% | $149,730-30.6% | $79,852+30.1% |
| Participation rate | 94.6% | 75.8%+18.8pp | 82.5%+12.1pp | 69.6%+25.0pp |
| Annual return | 20.59% | 27.43%-6.8pp | 276.70%-256.1pp | 31.72%-11.1pp |
| Employer contribution / active EE | $2,949 | $3,217-8.3% | $4,645-36.5% | $2,471+19.3% |
| Participant deferral / active EE | $7,132 | $5,681+25.5% | $6,843+4.2% | $3,740+90.7% |
| Admin fee / account holder | $3,133 | $6,052-48.2% | $9,310-66.4% | $5,306-41.0% |