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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 | $86,072 | $142,430-39.6% | $115,170-25.3% | $152,885-43.7% |
| Participation rate | 78.6% | 82.4%-3.8pp | 75.9%+2.7pp | 82.5%-3.9pp |
| Annual return | 22.66% | 41.48%-18.8pp | 35.60%-12.9pp | 345.39%-322.7pp |
| Employer contribution / active EE | $2,820 | $4,011-29.7% | $3,179-11.3% | $4,763-40.8% |
| Participant deferral / active EE | $7,880 | $5,165+52.6% | $4,169+89.0% | $5,851+34.7% |
| Admin fee / account holder | $3,613 | $8,464-57.3% | $7,089-49.0% | $11,598-68.8% |