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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 | $74,627 | $78,707-5.2% | $117,861-36.7% | $70,126+6.4% |
| Participation rate | 87.1% | 73.2%+13.9pp | 79.7%+7.4pp | 69.5%+17.6pp |
| Annual return | 15.06% | 23.30%-8.2pp | 335.11%-320.1pp | 73.15%-58.1pp |
| Employer contribution / active EE | $2,222 | $2,223-0.1% | $3,786-41.3% | $2,343-5.1% |
| Participant deferral / active EE | $6,399 | $3,297+94.1% | $4,482+42.8% | $3,332+92.1% |
| Admin fee / account holder | $2,014 | $5,066-60.2% | $8,021-74.9% | $4,645-56.6% |