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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 | $76,351 | $99,652-23.4% | $78,778-3.1% | $147,586-48.3% |
| Participation rate | 75.0% | 76.2%-1.2pp | 69.2%+5.8pp | 82.8%-7.8pp |
| Annual return | 7.48% | 47.28%-39.8pp | 35.62%-28.1pp | 578.59%-571.1pp |
| Employer contribution / active EE | $2,519 | $2,796-9.9% | $1,986+26.8% | $4,876-48.4% |
| Participant deferral / active EE | $3,130 | $3,664-14.6% | $2,958+5.8% | $5,439-42.5% |
| Admin fee / account holder | $1,967 | $7,155-72.5% | $5,134-61.7% | $10,886-81.9% |