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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 | $95,429 | $89,367+6.8% | $141,191-32.4% | $72,975+30.8% |
| Participation rate | 87.9% | 75.1%+12.8pp | 82.5%+5.4pp | 69.5%+18.4pp |
| Annual return | 22.47% | 111.87%-89.4pp | 71.41%-48.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $3,112 | $3,115-0.1% | $4,736-34.3% | $2,440+27.5% |
| Participant deferral / active EE | $4,235 | $5,419-21.8% | $6,710-36.9% | $3,608+17.4% |
| Admin fee / account holder | $2,146 | $5,957-64.0% | $10,264-79.1% | $5,124-58.1% |