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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 | $94,212 | $106,267-11.3% | $96,520-2.4% | $139,456-32.4% |
| Participation rate | 87.5% | 77.8%+9.7pp | 74.3%+13.2pp | 80.3%+7.2pp |
| Annual return | 17.96% | 38.45%-20.5pp | 35.72%-17.8pp | 373.45%-355.5pp |
| Employer contribution / active EE | $5,827 | $4,105+41.9% | $3,739+55.9% | $4,753+22.6% |
| Participant deferral / active EE | $3,494 | $5,454-35.9% | $4,879-28.4% | $6,711-47.9% |
| Admin fee / account holder | $3,143 | $7,882-60.1% | $6,733-53.3% | $11,407-72.5% |