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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 | $85,453 | $95,415-10.4% | $185,851-54.0% | $85,851-0.5% |
| Participation rate | 85.4% | 68.8%+16.6pp | 81.7%+3.7pp | 69.3%+16.0pp |
| Annual return | 17.21% | 23.59%-6.4pp | 122.11%-104.9pp | 318.63%-301.4pp |
| Employer contribution / active EE | $3,291 | $3,314-0.7% | $5,168-36.3% | $2,565+28.3% |
| Participant deferral / active EE | $8,064 | $3,424+135.5% | $5,569+44.8% | $3,952+104.0% |
| Admin fee / account holder | $1,445 | $7,215-80.0% | $16,245-91.1% | $6,261-76.9% |