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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 | $85,876 | $98,766-13.1% | $149,730-42.6% | $79,852+7.5% |
| Participation rate | 91.9% | 75.8%+16.1pp | 82.5%+9.4pp | 69.6%+22.3pp |
| Annual return | 24.92% | 27.43%-2.5pp | 276.70%-251.8pp | 31.72%-6.8pp |
| Employer contribution / active EE | $1,923 | $3,217-40.2% | $4,645-58.6% | $2,471-22.2% |
| Participant deferral / active EE | $5,512 | $5,681-3.0% | $6,843-19.4% | $3,740+47.4% |
| Admin fee / account holder | $690 | $6,052-88.6% | $9,310-92.6% | $5,306-87.0% |