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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 | $90,883 | $157,276-42.2% | $141,177-35.6% | $152,885-40.6% |
| Participation rate | 85.0% | 84.8%+0.2pp | 82.5%+2.5pp | 82.5%+2.5pp |
| Annual return | 21.77% | 64.33%-42.6pp | 71.40%-49.6pp | 345.39%-323.6pp |
| Employer contribution / active EE | $3,671 | $5,262-30.2% | $4,736-22.5% | $4,763-22.9% |
| Participant deferral / active EE | $10,792 | $7,110+51.8% | $6,710+60.8% | $5,851+84.5% |
| Admin fee / account holder | $1,099 | $12,123-90.9% | $10,263-89.3% | $11,598-90.5% |