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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 | $72,256 | $63,861+13.1% | $104,639-30.9% | $79,856-9.5% |
| Participation rate | 95.2% | 64.9%+30.3pp | 74.1%+21.2pp | 69.6%+25.6pp |
| Annual return | 12.18% | 21.30%-9.1pp | 340.67%-328.5pp | 31.71%-19.5pp |
| Employer contribution / active EE | $1,920 | $1,588+20.9% | $2,682-28.4% | $2,471-22.3% |
| Participant deferral / active EE | $3,481 | $2,693+29.2% | $3,738-6.9% | $3,741-6.9% |
| Admin fee / account holder | $1,187 | $4,185-71.6% | $6,465-81.6% | $5,306-77.6% |