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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 | $95,404-12.5% | $113,397-26.3% | $82,637+1.1% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.5%-1.5pp | 68.1%+6.9pp |
| Annual return | 56.25% | 19.08%+37.2pp | 23.20%+33.1pp | 53.51%+2.7pp |
| Employer contribution / active EE | $2,434 | $2,307+5.5% | $2,977-18.3% | $2,552-4.6% |
| Participant deferral / active EE | $6,345 | $4,220+50.4% | $5,076+25.0% | $4,126+53.8% |
| Admin fee / account holder | $4,222 | $9,168-54.0% | $11,957-64.7% | $7,339-42.5% |