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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 | $99,600 | $91,198+9.2% | $178,503-44.2% | $79,856+24.7% |
| Participation rate | 97.7% | 69.2%+28.5pp | 81.9%+15.7pp | 69.6%+28.0pp |
| Annual return | 15.81% | 24.20%-8.4pp | 151.12%-135.3pp | 31.71%-15.9pp |
| Employer contribution / active EE | $3,194 | $3,257-1.9% | $5,011-36.3% | $2,471+29.2% |
| Participant deferral / active EE | $6,573 | $3,237+103.1% | $5,202+26.3% | $3,741+75.7% |
| Admin fee / account holder | $8,924 | $6,748+32.2% | $13,987-36.2% | $5,306+68.2% |