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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 | $98,873 | $124,330-20.5% | $109,173-9.4% | $167,536-41.0% |
| Participation rate | 88.9% | 79.5%+9.4pp | 75.9%+13.0pp | 82.1%+6.8pp |
| Annual return | 16.77% | 26.04%-9.3pp | 25.75%-9.0pp | 478.82%-462.0pp |
| Employer contribution / active EE | $2,779 | $4,209-34.0% | $3,723-25.3% | $4,839-42.6% |
| Participant deferral / active EE | $4,664 | $5,256-11.3% | $4,654+0.2% | $6,342-26.5% |
| Admin fee / account holder | $1,940 | $7,974-75.7% | $6,755-71.3% | $12,315-84.2% |