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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 | $83,518 | $95,453-12.5% | $112,040-25.5% | $82,448+1.3% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.5%-1.5pp | 68.1%+6.9pp |
| Annual return | 56.25% | 23.92%+32.3pp | 24.52%+31.7pp | 41.64%+14.6pp |
| Employer contribution / active EE | $2,434 | $2,318+5.0% | $2,954-17.6% | $2,551-4.6% |
| Participant deferral / active EE | $6,345 | $4,224+50.2% | $5,098+24.5% | $4,139+53.3% |
| Admin fee / account holder | $4,222 | $9,013-53.2% | $12,098-65.1% | $7,234-41.6% |