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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 | $92,897 | $91,198+1.9% | $178,503-48.0% | $79,856+16.3% |
| Participation rate | 90.0% | 69.2%+20.8pp | 81.9%+8.1pp | 69.6%+20.4pp |
| Annual return | 17.42% | 24.20%-6.8pp | 151.12%-133.7pp | 31.71%-14.3pp |
| Employer contribution / active EE | $5,000 | $3,257+53.5% | $5,011-0.2% | $2,471+102.3% |
| Participant deferral / active EE | $7,119 | $3,237+120.0% | $5,202+36.8% | $3,741+90.3% |
| Admin fee / account holder | $1,268 | $6,748-81.2% | $13,987-90.9% | $5,306-76.1% |