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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 | $84,375 | $111,878-24.6% | $93,727-10.0% | $145,897-42.2% |
| Participation rate | 78.9% | 74.2%+4.7pp | 68.7%+10.2pp | 80.3%-1.4pp |
| Annual return | 9.79% | 204.28%-194.5pp | 133.83%-124.0pp | 552.29%-542.5pp |
| Employer contribution / active EE | $2,277 | $3,092-26.4% | $2,421-5.9% | $4,663-51.2% |
| Participant deferral / active EE | $9,531 | $4,920+93.7% | $4,417+115.8% | $6,689+42.5% |
| Admin fee / account holder | $2,374 | $10,256-76.9% | $8,292-71.4% | $13,390-82.3% |