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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 | $90,527 | $78,690+15.0% | $161,489-43.9% | $87,485+3.5% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 17.83% | 32.74%-14.9pp | 89.72%-71.9pp | 26.06%-8.2pp |
| Employer contribution / active EE | $2,368 | $2,588-8.5% | $4,268-44.5% | $2,596-8.8% |
| Participant deferral / active EE | $7,049 | $3,311+112.9% | $5,630+25.2% | $4,274+64.9% |
| Admin fee / account holder | $7,673 | $6,724+14.1% | $16,006-52.1% | $7,775-1.3% |