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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 | $82,798 | $100,262-17.4% | $81,370+1.8% | $145,897-43.2% |
| Participation rate | 85.7% | 74.3%+11.4pp | 69.5%+16.2pp | 80.3%+5.4pp |
| Annual return | 13.40% | 34.52%-21.1pp | 24.85%-11.4pp | 552.29%-538.9pp |
| Employer contribution / active EE | $6,269 | $2,979+110.5% | $2,464+154.5% | $4,663+34.5% |
| Participant deferral / active EE | $4,893 | $4,612+6.1% | $3,885+25.9% | $6,689-26.9% |
| Admin fee / account holder | $2,812 | $8,163-65.6% | $5,749-51.1% | $13,390-79.0% |