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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 | $78,128 | $78,707-0.7% | $117,861-33.7% | $70,126+11.4% |
| Participation rate | 87.8% | 73.2%+14.6pp | 79.7%+8.1pp | 69.5%+18.3pp |
| Annual return | 14.70% | 23.30%-8.6pp | 335.11%-320.4pp | 73.15%-58.4pp |
| Employer contribution / active EE | $2,037 | $2,223-8.4% | $3,786-46.2% | $2,343-13.0% |
| Participant deferral / active EE | $3,664 | $3,297+11.1% | $4,482-18.3% | $3,332+10.0% |
| Admin fee / account holder | $2,113 | $5,066-58.3% | $8,021-73.7% | $4,645-54.5% |