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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 | $81,353 | $142,405-42.9% | $115,157-29.4% | $152,870-46.8% |
| Participation rate | 90.0% | 82.4%+7.6pp | 75.9%+14.1pp | 82.4%+7.6pp |
| Annual return | 19.01% | 41.48%-22.5pp | 35.60%-16.6pp | 345.34%-326.3pp |
| Employer contribution / active EE | $3,400 | $4,010-15.2% | $3,179+6.9% | $4,763-28.6% |
| Participant deferral / active EE | $5,078 | $5,164-1.7% | $4,168+21.8% | $5,850-13.2% |
| Admin fee / account holder | $1,809 | $8,462-78.6% | $7,088-74.5% | $11,597-84.4% |