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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 | $112,909 | $105,200+7.3% | $159,474-29.2% | $85,847+31.5% |
| Participation rate | 94.6% | 75.8%+18.8pp | 82.8%+11.8pp | 69.3%+25.3pp |
| Annual return | 16.08% | 45.08%-29.0pp | 263.68%-247.6pp | 318.61%-302.5pp |
| Employer contribution / active EE | $1,772 | $3,319-46.6% | $4,831-63.3% | $2,565-30.9% |
| Participant deferral / active EE | $7,182 | $5,946+20.8% | $7,353-2.3% | $3,952+81.7% |
| Admin fee / account holder | $6,211 | $6,934-10.4% | $10,802-42.5% | $6,261-0.8% |