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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 | $100,644 | $102,938-2.2% | $94,105+6.9% | $138,895-27.5% |
| Participation rate | 75.0% | 74.6%+0.4pp | 71.9%+3.1pp | 79.9%-4.9pp |
| Annual return | 18.20% | 250.28%-232.1pp | 204.55%-186.4pp | 145.39%-127.2pp |
| Employer contribution / active EE | $1,701 | $2,732-37.7% | $2,504-32.1% | $4,194-59.5% |
| Participant deferral / active EE | $3,401 | $4,196-19.0% | $3,881-12.4% | $6,396-46.8% |
| Admin fee / account holder | $1,295 | $6,600-80.4% | $6,199-79.1% | $12,562-89.7% |