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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 | $109,788 | $98,766+11.2% | $149,730-26.7% | $79,852+37.5% |
| Participation rate | 82.4% | 75.8%+6.6pp | 82.5%-0.1pp | 69.6%+12.7pp |
| Annual return | 12.85% | 27.43%-14.6pp | 276.70%-263.8pp | 31.72%-18.9pp |
| Employer contribution / active EE | $2,207 | $3,217-31.4% | $4,645-52.5% | $2,471-10.7% |
| Participant deferral / active EE | $4,602 | $5,681-19.0% | $6,843-32.7% | $3,740+23.0% |
| Admin fee / account holder | $9,664 | $6,052+59.7% | $9,310+3.8% | $5,306+82.1% |