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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 | $84,010 | $101,618-17.3% | $93,063-9.7% | $137,256-38.8% |
| Participation rate | 78.9% | 74.9%+4.0pp | 72.1%+6.8pp | 80.0%-1.0pp |
| Annual return | 11.27% | 223.95%-212.7pp | 34.15%-22.9pp | 220.34%-209.1pp |
| Employer contribution / active EE | $1,928 | $2,707-28.8% | $2,476-22.1% | $4,156-53.6% |
| Participant deferral / active EE | $3,429 | $4,279-19.9% | $3,958-13.4% | $6,407-46.5% |
| Admin fee / account holder | $38,887 | $6,198+527.4% | $6,033+544.6% | $12,270+216.9% |