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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 | $117,070 | $95,383+22.7% | $185,837-37.0% | $85,856+36.4% |
| Participation rate | 73.5% | 68.8%+4.8pp | 81.7%-8.2pp | 69.3%+4.2pp |
| Annual return | 14.80% | 23.59%-8.8pp | 122.08%-107.3pp | 318.58%-303.8pp |
| Employer contribution / active EE | $2,524 | $3,313-23.8% | $5,168-51.2% | $2,565-1.6% |
| Participant deferral / active EE | $4,761 | $3,423+39.1% | $5,568-14.5% | $3,952+20.5% |
| Admin fee / account holder | $1,047 | $7,213-85.5% | $16,241-93.6% | $6,261-83.3% |