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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 | $84,087 | $93,345-9.9% | $119,126-29.4% | $87,485-3.9% |
| Participation rate | 92.1% | 68.7%+23.4pp | 75.8%+16.3pp | 68.9%+23.2pp |
| Annual return | 17.48% | 19.08%-1.6pp | 282.11%-264.6pp | 26.06%-8.6pp |
| Employer contribution / active EE | $2,392 | $3,172-24.6% | $4,034-40.7% | $2,596-7.8% |
| Participant deferral / active EE | $4,311 | $4,099+5.2% | $5,318-18.9% | $4,274+0.9% |
| Admin fee / account holder | $1,282 | $8,039-84.1% | $10,693-88.0% | $7,775-83.5% |