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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 | $83,214 | $98,776-15.8% | $149,745-44.4% | $79,856+4.2% |
| Participation rate | 89.3% | 75.8%+13.5pp | 82.5%+6.8pp | 69.6%+19.6pp |
| Annual return | 14.65% | 27.38%-12.7pp | 276.72%-262.1pp | 31.71%-17.1pp |
| Employer contribution / active EE | $3,347 | $3,217+4.0% | $4,646-28.0% | $2,471+35.4% |
| Participant deferral / active EE | $8,102 | $5,681+42.6% | $6,843+18.4% | $3,741+116.6% |
| Admin fee / account holder | $9,339 | $6,053+54.3% | $9,312+0.3% | $5,306+76.0% |