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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 | $105,467 | $100,004+5.5% | $81,438+29.5% | $145,959-27.7% |
| Participation rate | 93.8% | 74.2%+19.6pp | 69.5%+24.2pp | 80.3%+13.5pp |
| Annual return | 22.36% | 34.34%-12.0pp | 24.74%-2.4pp | 561.95%-539.6pp |
| Employer contribution / active EE | $2,232 | $2,970-24.8% | $2,460-9.3% | $4,661-52.1% |
| Participant deferral / active EE | $6,877 | $4,603+49.4% | $3,883+77.1% | $6,689+2.8% |
| Admin fee / account holder | $6,324 | $8,202-22.9% | $5,764+9.7% | $13,398-52.8% |