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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 | $73,037 | $78,707-7.2% | $117,861-38.0% | $70,126+4.2% |
| Participation rate | 94.3% | 73.2%+21.1pp | 79.7%+14.6pp | 69.5%+24.7pp |
| Annual return | 18.82% | 23.30%-4.5pp | 335.11%-316.3pp | 73.15%-54.3pp |
| Employer contribution / active EE | $1,948 | $2,223-12.4% | $3,786-48.5% | $2,343-16.8% |
| Participant deferral / active EE | $3,714 | $3,297+12.6% | $4,482-17.1% | $3,332+11.5% |
| Admin fee / account holder | $2,759 | $5,066-45.5% | $8,021-65.6% | $4,645-40.6% |