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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 | $100,025 | $91,198+9.7% | $178,503-44.0% | $79,856+25.3% |
| Participation rate | 88.5% | 69.2%+19.2pp | 81.9%+6.5pp | 69.6%+18.8pp |
| Annual return | 12.65% | 24.20%-11.5pp | 151.12%-138.5pp | 31.71%-19.1pp |
| Employer contribution / active EE | $2,096 | $3,257-35.6% | $5,011-58.2% | $2,471-15.2% |
| Participant deferral / active EE | $4,823 | $3,237+49.0% | $5,202-7.3% | $3,741+28.9% |
| Admin fee / account holder | $3,170 | $6,748-53.0% | $13,987-77.3% | $5,306-40.3% |