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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 | $84,860 | $111,878-24.1% | $93,727-9.5% | $145,897-41.8% |
| Participation rate | 94.1% | 74.2%+19.9pp | 68.7%+25.4pp | 80.3%+13.8pp |
| Annual return | 17.75% | 204.28%-186.5pp | 133.83%-116.1pp | 552.29%-534.5pp |
| Employer contribution / active EE | $1,172 | $3,092-62.1% | $2,421-51.6% | $4,663-74.9% |
| Participant deferral / active EE | $3,283 | $4,920-33.3% | $4,417-25.7% | $6,689-50.9% |
| Admin fee / account holder | $1,774 | $10,256-82.7% | $8,292-78.6% | $13,390-86.8% |