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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 | $76,425 | $98,766-22.6% | $149,730-49.0% | $79,852-4.3% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.5%+5.0pp | 69.6%+17.9pp |
| Annual return | 16.21% | 27.43%-11.2pp | 276.70%-260.5pp | 31.72%-15.5pp |
| Employer contribution / active EE | $2,274 | $3,217-29.3% | $4,645-51.0% | $2,471-8.0% |
| Participant deferral / active EE | $9,192 | $5,681+61.8% | $6,843+34.3% | $3,740+145.7% |
| Admin fee / account holder | $3,096 | $6,052-48.9% | $9,310-66.8% | $5,306-41.7% |