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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 | $85,723 | $100,147-14.4% | $81,286+5.5% | $145,877-41.2% |
| Participation rate | 88.9% | 74.2%+14.7pp | 69.5%+19.4pp | 80.3%+8.6pp |
| Annual return | 11.92% | 34.44%-22.5pp | 24.80%-12.9pp | 551.28%-539.4pp |
| Employer contribution / active EE | $2,258 | $2,977-24.2% | $2,463-8.3% | $4,663-51.6% |
| Participant deferral / active EE | $3,094 | $4,607-32.8% | $3,883-20.3% | $6,691-53.8% |
| Admin fee / account holder | $2,150 | $8,201-73.8% | $5,764-62.7% | $13,402-84.0% |