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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 | $99,849 | $93,345+7.0% | $119,126-16.2% | $87,485+14.1% |
| Participation rate | 93.2% | 68.7%+24.5pp | 75.8%+17.5pp | 68.9%+24.3pp |
| Annual return | 14.54% | 19.08%-4.5pp | 282.11%-267.6pp | 26.06%-11.5pp |
| Employer contribution / active EE | $2,540 | $3,172-19.9% | $4,034-37.0% | $2,596-2.2% |
| Participant deferral / active EE | $4,847 | $4,099+18.3% | $5,318-8.9% | $4,274+13.4% |
| Admin fee / account holder | $2,377 | $8,039-70.4% | $10,693-77.8% | $7,775-69.4% |