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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 | $85,004 | $118,695-28.4% | $98,916-14.1% | $158,950-46.5% |
| Participation rate | 85.0% | 77.8%+7.2pp | 76.0%+9.0pp | 82.0%+3.0pp |
| Annual return | 14.12% | 372.39%-358.3pp | 196.45%-182.3pp | 302.91%-288.8pp |
| Employer contribution / active EE | $2,318 | $3,333-30.5% | $2,689-13.8% | $4,762-51.3% |
| Participant deferral / active EE | $4,922 | $5,088-3.3% | $4,245+16.0% | $5,983-17.7% |
| Admin fee / account holder | $308 | $10,132-97.0% | $6,642-95.4% | $11,248-97.3% |