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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 | $86,986 | $117,846-26.2% | $102,434-15.1% | $145,884-40.4% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 16.50% | 31.90%-15.4pp | 29.46%-13.0pp | 551.85%-535.4pp |
| Employer contribution / active EE | $1,973 | $3,615-45.4% | $3,023-34.7% | $4,662-57.7% |
| Participant deferral / active EE | $15,946 | $5,733+178.1% | $5,055+215.5% | $6,690+138.4% |
| Admin fee / account holder | $2,711 | $13,356-79.7% | $9,462-71.3% | $13,392-79.8% |