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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 | $81,137 | $98,766-17.8% | $149,730-45.8% | $79,852+1.6% |
| Participation rate | 88.2% | 75.8%+12.5pp | 82.5%+5.8pp | 69.6%+18.6pp |
| Annual return | 16.93% | 27.43%-10.5pp | 276.70%-259.8pp | 31.72%-14.8pp |
| Employer contribution / active EE | $1,530 | $3,217-52.5% | $4,645-67.1% | $2,471-38.1% |
| Participant deferral / active EE | $10,370 | $5,681+82.5% | $6,843+51.6% | $3,740+177.3% |
| Admin fee / account holder | $5,919 | $6,052-2.2% | $9,310-36.4% | $5,306+11.5% |