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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 | $90,531 | $95,383-5.1% | $185,837-51.3% | $85,856+5.4% |
| Participation rate | 95.5% | 68.8%+26.7pp | 81.7%+13.7pp | 69.3%+26.1pp |
| Annual return | 19.75% | 23.59%-3.8pp | 122.08%-102.3pp | 318.58%-298.8pp |
| Employer contribution / active EE | $4,277 | $3,313+29.1% | $5,168-17.2% | $2,565+66.7% |
| Participant deferral / active EE | $3,296 | $3,423-3.7% | $5,568-40.8% | $3,952-16.6% |
| Admin fee / account holder | $2,178 | $7,213-69.8% | $16,241-86.6% | $6,261-65.2% |