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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 | $90,183 | $132,634-32.0% | $115,768-22.1% | $137,256-34.3% |
| Participation rate | 79.2% | 77.9%+1.3pp | 74.4%+4.8pp | 80.0%-0.8pp |
| Annual return | 31.09% | 160.70%-129.6pp | 100.46%-69.4pp | 220.34%-189.3pp |
| Employer contribution / active EE | $1,756 | $3,360-47.7% | $2,940-40.3% | $4,156-57.8% |
| Participant deferral / active EE | $3,834 | $5,619-31.8% | $4,917-22.0% | $6,407-40.2% |
| Admin fee / account holder | $31,381 | $15,028+108.8% | $12,439+152.3% | $12,270+155.8% |