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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 | $90,126 | $91,167-1.1% | $178,498-49.5% | $79,858+12.9% |
| Participation rate | 76.3% | 69.2%+7.1pp | 81.9%-5.6pp | 69.6%+6.7pp |
| Annual return | 11.64% | 24.19%-12.6pp | 151.09%-139.5pp | 31.72%-20.1pp |
| Employer contribution / active EE | $3,615 | $3,255+11.0% | $5,011-27.9% | $2,471+46.3% |
| Participant deferral / active EE | $3,298 | $3,236+1.9% | $5,202-36.6% | $3,740-11.8% |
| Admin fee / account holder | $4,611 | $6,747-31.7% | $13,985-67.0% | $5,306-13.1% |