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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 | $78,580 | $89,367-12.1% | $141,191-44.3% | $72,975+7.7% |
| Participation rate | 96.2% | 75.1%+21.0pp | 82.5%+13.7pp | 69.5%+26.7pp |
| Annual return | 21.24% | 111.87%-90.6pp | 71.41%-50.2pp | 81.01%-59.8pp |
| Employer contribution / active EE | $2,200 | $3,115-29.4% | $4,736-53.5% | $2,440-9.8% |
| Participant deferral / active EE | $4,906 | $5,419-9.5% | $6,710-26.9% | $3,608+36.0% |
| Admin fee / account holder | $1,176 | $5,957-80.3% | $10,264-88.5% | $5,124-77.1% |