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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 | $79,582 | $78,690+1.1% | $161,489-50.7% | $87,485-9.0% |
| Participation rate | 82.2% | 67.5%+14.8pp | 78.7%+3.5pp | 68.9%+13.3pp |
| Annual return | 13.12% | 32.74%-19.6pp | 89.72%-76.6pp | 26.06%-12.9pp |
| Employer contribution / active EE | $2,280 | $2,588-11.9% | $4,268-46.6% | $2,596-12.2% |
| Participant deferral / active EE | $8,717 | $3,311+163.3% | $5,630+54.8% | $4,274+104.0% |
| Admin fee / account holder | $9,127 | $6,724+35.7% | $16,006-43.0% | $7,775+17.4% |