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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 | $100,004-17.2% | $81,438+1.7% | $145,959-43.3% |
| Participation rate | 85.7% | 74.2%+11.5pp | 69.5%+16.2pp | 80.3%+5.4pp |
| Annual return | 13.40% | 34.34%-20.9pp | 24.74%-11.3pp | 561.95%-548.6pp |
| Employer contribution / active EE | $6,269 | $2,970+111.1% | $2,460+154.8% | $4,661+34.5% |
| Participant deferral / active EE | $4,893 | $4,603+6.3% | $3,883+26.0% | $6,689-26.9% |
| Admin fee / account holder | $2,812 | $8,202-65.7% | $5,764-51.2% | $13,398-79.0% |