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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 | $85,483 | $68,681+24.5% | $86,615-1.3% | $85,847-0.4% |
| Participation rate | 83.3% | 66.4%+17.0pp | 71.6%+11.7pp | 69.3%+14.0pp |
| Annual return | 13.66% | 20.12%-6.5pp | 63.51%-49.9pp | 318.61%-304.9pp |
| Employer contribution / active EE | $1,116 | $1,880-40.6% | $2,496-55.3% | $2,565-56.5% |
| Participant deferral / active EE | $5,694 | $2,919+95.0% | $3,699+53.9% | $3,952+44.1% |
| Admin fee / account holder | $9,797 | $5,974+64.0% | $5,830+68.1% | $6,261+56.5% |