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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 | $84,119 | $89,259-5.8% | $107,187-21.5% | $82,637+1.8% |
| Participation rate | 95.2% | 67.9%+27.3pp | 75.0%+20.2pp | 68.1%+27.2pp |
| Annual return | 15.19% | 21.02%-5.8pp | 204.55%-189.4pp | 53.51%-38.3pp |
| Employer contribution / active EE | $2,274 | $3,080-26.2% | $3,782-39.9% | $2,552-10.9% |
| Participant deferral / active EE | $3,208 | $4,037-20.5% | $5,096-37.1% | $4,126-22.3% |
| Admin fee / account holder | $482 | $7,381-93.5% | $9,162-94.7% | $7,339-93.4% |