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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 | $79,489 | $98,776-19.5% | $149,745-46.9% | $79,856-0.5% |
| Participation rate | 92.6% | 75.8%+16.8pp | 82.5%+10.1pp | 69.6%+23.0pp |
| Annual return | 20.44% | 27.38%-6.9pp | 276.72%-256.3pp | 31.71%-11.3pp |
| Employer contribution / active EE | $3,099 | $3,217-3.7% | $4,646-33.3% | $2,471+25.4% |
| Participant deferral / active EE | $7,802 | $5,681+37.3% | $6,843+14.0% | $3,741+108.6% |
| Admin fee / account holder | $900 | $6,053-85.1% | $9,312-90.3% | $5,306-83.0% |