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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 | $85,129 | $88,672-4.0% | $105,223-19.1% | $82,448+3.3% |
| Participation rate | 76.3% | 67.9%+8.4pp | 75.0%+1.3pp | 68.1%+8.2pp |
| Annual return | 41.39% | 30.86%+10.5pp | 180.65%-139.3pp | 41.64%-0.3pp |
| Employer contribution / active EE | $1,866 | $3,048-38.8% | $3,689-49.4% | $2,551-26.9% |
| Participant deferral / active EE | $7,948 | $4,036+96.9% | $5,072+56.7% | $4,139+92.0% |
| Admin fee / account holder | $5,543 | $7,146-22.4% | $8,859-37.4% | $7,234-23.4% |