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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 | $97,055 | $84,236+15.2% | $170,435-43.1% | $70,126+38.4% |
| Participation rate | 88.2% | 70.8%+17.4pp | 83.6%+4.6pp | 69.5%+18.7pp |
| Annual return | 18.75% | 23.06%-4.3pp | 205.94%-187.2pp | 73.15%-54.4pp |
| Employer contribution / active EE | $4,124 | $3,387+21.7% | $5,432-24.1% | $2,343+76.0% |
| Participant deferral / active EE | $3,983 | $3,086+29.1% | $4,939-19.4% | $3,332+19.5% |
| Admin fee / account holder | $1,687 | $5,698-70.4% | $13,881-87.8% | $4,645-63.7% |