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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 | $90,828 | $93,345-2.7% | $119,126-23.8% | $87,485+3.8% |
| Participation rate | 81.3% | 68.7%+12.5pp | 75.8%+5.5pp | 68.9%+12.3pp |
| Annual return | 13.51% | 19.08%-5.6pp | 282.11%-268.6pp | 26.06%-12.6pp |
| Employer contribution / active EE | $1,764 | $3,172-44.4% | $4,034-56.3% | $2,596-32.1% |
| Participant deferral / active EE | $3,199 | $4,099-21.9% | $5,318-39.8% | $4,274-25.1% |
| Admin fee / account holder | $2,194 | $8,039-72.7% | $10,693-79.5% | $7,775-71.8% |