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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 | $70,470 | $101,950-30.9% | $125,529-43.9% | $86,983-19.0% |
| Participation rate | 79.5% | 70.2%+9.3pp | 74.7%+4.8pp | 69.5%+9.9pp |
| Annual return | 14.87% | 18.29%-3.4pp | 202.56%-187.7pp | 25.83%-11.0pp |
| Employer contribution / active EE | $2,059 | $2,358-12.7% | $3,058-32.6% | $2,584-20.3% |
| Participant deferral / active EE | $3,979 | $3,862+3.0% | $4,813-17.3% | $4,194-5.1% |
| Admin fee / account holder | $2,944 | $12,791-77.0% | $16,298-81.9% | $7,856-62.5% |