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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 | $92,183 | $85,766+7.5% | $136,298-32.4% | $70,126+31.5% |
| Participation rate | 73.2% | 74.2%-1.0pp | 81.9%-8.8pp | 69.5%+3.6pp |
| Annual return | 15.06% | 31.46%-16.4pp | 5156.27%-5141.2pp | 73.15%-58.1pp |
| Employer contribution / active EE | $2,959 | $2,966-0.2% | $4,696-37.0% | $2,343+26.3% |
| Participant deferral / active EE | $5,073 | $5,051+0.4% | $6,247-18.8% | $3,332+52.3% |
| Admin fee / account holder | $2,867 | $5,421-47.1% | $9,244-69.0% | $4,645-38.3% |