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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 | $75,826 | $98,760-23.2% | $149,710-49.4% | $79,860-5.1% |
| Participation rate | 90.1% | 75.8%+14.3pp | 82.5%+7.6pp | 69.6%+20.5pp |
| Annual return | 17.59% | 27.43%-9.8pp | 276.63%-259.0pp | 31.72%-14.1pp |
| Employer contribution / active EE | $2,502 | $3,217-22.2% | $4,645-46.1% | $2,471+1.3% |
| Participant deferral / active EE | $5,219 | $5,681-8.1% | $6,842-23.7% | $3,740+39.5% |
| Admin fee / account holder | $860 | $6,053-85.8% | $9,309-90.8% | $5,306-83.8% |