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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 | $82,138 | $85,171-3.6% | $172,752-52.5% | $72,975+12.6% |
| Participation rate | 87.2% | 70.1%+17.2pp | 82.6%+4.6pp | 69.5%+17.7pp |
| Annual return | 21.65% | 27.32%-5.7pp | 802.97%-781.3pp | 81.01%-59.4pp |
| Employer contribution / active EE | $5,073 | $3,324+52.6% | $5,144-1.4% | $2,440+107.9% |
| Participant deferral / active EE | $3,351 | $3,260+2.8% | $5,198-35.5% | $3,608-7.1% |
| Admin fee / account holder | $2,767 | $5,880-52.9% | $13,955-80.2% | $5,124-46.0% |