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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 | $77,156 | $89,370-13.7% | $141,197-45.4% | $72,976+5.7% |
| Participation rate | 94.6% | 75.1%+19.5pp | 82.5%+12.1pp | 69.5%+25.1pp |
| Annual return | 25.99% | 111.88%-85.9pp | 71.41%-45.4pp | 81.02%-55.0pp |
| Employer contribution / active EE | $2,603 | $3,115-16.4% | $4,736-45.0% | $2,440+6.7% |
| Participant deferral / active EE | $4,044 | $5,419-25.4% | $6,710-39.7% | $3,608+12.1% |
| Admin fee / account holder | $1,786 | $5,957-70.0% | $10,265-82.6% | $5,124-65.2% |