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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 | $81,652 | $106,923-23.6% | $84,023-2.8% | $152,909-46.6% |
| Participation rate | 90.0% | 75.3%+14.7pp | 69.0%+21.0pp | 82.5%+7.5pp |
| Annual return | 15.87% | 105.02%-89.2pp | 71.32%-55.5pp | 345.46%-329.6pp |
| Employer contribution / active EE | $1,481 | $2,735-45.9% | $1,984-25.4% | $4,764-68.9% |
| Participant deferral / active EE | $3,593 | $4,013-10.5% | $3,239+10.9% | $5,851-38.6% |
| Admin fee / account holder | $1,867 | $8,289-77.5% | $6,102-69.4% | $11,601-83.9% |