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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 | $87,652 | $99,652-12.0% | $78,778+11.3% | $147,586-40.6% |
| Participation rate | 78.9% | 76.2%+2.7pp | 69.2%+9.8pp | 82.8%-3.9pp |
| Annual return | 16.76% | 47.28%-30.5pp | 35.62%-18.9pp | 578.59%-561.8pp |
| Employer contribution / active EE | $1,850 | $2,796-33.8% | $1,986-6.8% | $4,876-62.1% |
| Participant deferral / active EE | $4,814 | $3,664+31.4% | $2,958+62.7% | $5,439-11.5% |
| Admin fee / account holder | $9,238 | $7,155+29.1% | $5,134+79.9% | $10,886-15.1% |