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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 | $79,048 | $84,236-6.2% | $170,439-53.6% | $70,124+12.7% |
| Participation rate | 97.4% | 70.8%+26.6pp | 83.6%+13.8pp | 69.5%+27.9pp |
| Annual return | 13.18% | 23.06%-9.9pp | 205.94%-192.8pp | 73.14%-60.0pp |
| Employer contribution / active EE | $867 | $3,387-74.4% | $5,433-84.0% | $2,342-63.0% |
| Participant deferral / active EE | $4,403 | $3,086+42.7% | $4,939-10.9% | $3,332+32.1% |
| Admin fee / account holder | $2,455 | $5,698-56.9% | $13,881-82.3% | $4,645-47.1% |