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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 | $106,026 | $101,950+4.0% | $125,529-15.5% | $86,983+21.9% |
| Participation rate | 78.6% | 70.2%+8.4pp | 74.7%+3.8pp | 69.5%+9.0pp |
| Annual return | 12.96% | 18.29%-5.3pp | 202.56%-189.6pp | 25.83%-12.9pp |
| Employer contribution / active EE | $2,176 | $2,358-7.7% | $3,058-28.8% | $2,584-15.8% |
| Participant deferral / active EE | $4,638 | $3,862+20.1% | $4,813-3.6% | $4,194+10.6% |
| Admin fee / account holder | $3,159 | $12,791-75.3% | $16,298-80.6% | $7,856-59.8% |