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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 | $95,699 | $93,345+2.5% | $119,126-19.7% | $87,485+9.4% |
| Participation rate | 71.9% | 68.7%+3.1pp | 75.8%-3.9pp | 68.9%+2.9pp |
| Annual return | 19.91% | 19.08%+0.8pp | 282.11%-262.2pp | 26.06%-6.1pp |
| Employer contribution / active EE | $2,025 | $3,172-36.1% | $4,034-49.8% | $2,596-22.0% |
| Participant deferral / active EE | $3,416 | $4,099-16.7% | $5,318-35.8% | $4,274-20.1% |
| Admin fee / account holder | $2,001 | $8,039-75.1% | $10,693-81.3% | $7,775-74.3% |