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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 | $94,919 | $98,776-3.9% | $149,745-36.6% | $79,856+18.9% |
| Participation rate | 85.7% | 75.8%+9.9pp | 82.5%+3.2pp | 69.6%+16.1pp |
| Annual return | 20.86% | 27.38%-6.5pp | 276.72%-255.9pp | 31.71%-10.9pp |
| Employer contribution / active EE | $4,293 | $3,217+33.4% | $4,646-7.6% | $2,471+73.7% |
| Participant deferral / active EE | $11,233 | $5,681+97.7% | $6,843+64.2% | $3,741+200.3% |
| Admin fee / account holder | $1,028 | $6,053-83.0% | $9,312-89.0% | $5,306-80.6% |