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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 | $82,951 | $91,167-9.0% | $178,498-53.5% | $79,858+3.9% |
| Participation rate | 90.3% | 69.2%+21.1pp | 81.9%+8.4pp | 69.6%+20.7pp |
| Annual return | 13.46% | 24.19%-10.7pp | 151.09%-137.6pp | 31.72%-18.3pp |
| Employer contribution / active EE | $2,150 | $3,255-34.0% | $5,011-57.1% | $2,471-13.0% |
| Participant deferral / active EE | $3,817 | $3,236+18.0% | $5,202-26.6% | $3,740+2.1% |
| Admin fee / account holder | $12,299 | $6,747+82.3% | $13,985-12.1% | $5,306+131.8% |