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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 | $97,191 | $81,276+19.6% | $155,574-37.5% | $80,925+20.1% |
| Participation rate | 96.0% | 66.2%+29.8pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 16.43% | 33.36%-16.9pp | 64.87%-48.4pp | 35.65%-19.2pp |
| Employer contribution / active EE | $2,025 | $3,103-34.7% | $4,676-56.7% | $2,756-26.5% |
| Participant deferral / active EE | $4,488 | $3,453+30.0% | $5,629-20.3% | $4,299+4.4% |
| Admin fee / account holder | $4,945 | $7,993-38.1% | $15,914-68.9% | $6,940-28.8% |