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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 | $26,212 | $105,198-75.1% | $159,455-83.6% | $85,856-69.5% |
| Participation rate | 88.7% | 75.8%+12.9pp | 82.8%+5.9pp | 69.3%+19.4pp |
| Annual return | 16.57% | 45.08%-28.5pp | 263.63%-247.1pp | 318.58%-302.0pp |
| Employer contribution / active EE | $2,828 | $3,319-14.8% | $4,830-41.5% | $2,565+10.2% |
| Participant deferral / active EE | $6,061 | $5,946+1.9% | $7,353-17.6% | $3,952+53.4% |
| Admin fee / account holder | $8,144 | $6,934+17.4% | $10,800-24.6% | $6,261+30.1% |