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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 | $88,989 | $97,125-8.4% | $86,233+3.2% | $137,256-35.2% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 11.22% | 74.19%-63.0pp | 61.39%-50.2pp | 220.34%-209.1pp |
| Employer contribution / active EE | $2,291 | $2,841-19.4% | $2,504-8.5% | $4,156-44.9% |
| Participant deferral / active EE | $5,191 | $5,180+0.2% | $4,559+13.9% | $6,407-19.0% |
| Admin fee / account holder | $29,033 | $9,725+198.6% | $8,342+248.0% | $12,270+136.6% |