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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 | $99,527 | $124,351-20.0% | $109,188-8.8% | $167,553-40.6% |
| Participation rate | 95.5% | 79.4%+16.0pp | 75.9%+19.6pp | 82.1%+13.3pp |
| Annual return | 15.96% | 26.04%-10.1pp | 25.76%-9.8pp | 478.89%-462.9pp |
| Employer contribution / active EE | $2,550 | $4,210-39.4% | $3,723-31.5% | $4,840-47.3% |
| Participant deferral / active EE | $5,486 | $5,257+4.4% | $4,654+17.9% | $6,343-13.5% |
| Admin fee / account holder | $2,430 | $7,975-69.5% | $6,755-64.0% | $12,316-80.3% |