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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 | $97,920 | $132,634-26.2% | $115,768-15.4% | $137,256-28.7% |
| Participation rate | 79.2% | 77.9%+1.3pp | 74.4%+4.8pp | 80.0%-0.8pp |
| Annual return | 24.87% | 160.70%-135.8pp | 100.46%-75.6pp | 220.34%-195.5pp |
| Employer contribution / active EE | $2,213 | $3,360-34.1% | $2,940-24.7% | $4,156-46.7% |
| Participant deferral / active EE | $4,481 | $5,619-20.2% | $4,917-8.9% | $6,407-30.1% |
| Admin fee / account holder | $5,543 | $15,028-63.1% | $12,439-55.4% | $12,270-54.8% |