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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 | $91,106 | $89,259+2.1% | $107,187-15.0% | $82,637+10.2% |
| Participation rate | 95.5% | 67.9%+27.5pp | 75.0%+20.4pp | 68.1%+27.4pp |
| Annual return | 19.46% | 21.02%-1.6pp | 204.55%-185.1pp | 53.51%-34.0pp |
| Employer contribution / active EE | $2,370 | $3,080-23.1% | $3,782-37.3% | $2,552-7.1% |
| Participant deferral / active EE | $8,509 | $4,037+110.8% | $5,096+67.0% | $4,126+106.2% |
| Admin fee / account holder | $2,978 | $7,381-59.7% | $9,162-67.5% | $7,339-59.4% |