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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 | $87,562 | $91,198-4.0% | $178,503-50.9% | $79,856+9.6% |
| Participation rate | 86.5% | 69.2%+17.3pp | 81.9%+4.6pp | 69.6%+16.8pp |
| Annual return | 17.65% | 24.20%-6.5pp | 151.12%-133.5pp | 31.71%-14.1pp |
| Employer contribution / active EE | $2,886 | $3,257-11.4% | $5,011-42.4% | $2,471+16.8% |
| Participant deferral / active EE | $4,591 | $3,237+41.8% | $5,202-11.8% | $3,741+22.7% |
| Admin fee / account holder | $9,125 | $6,748+35.2% | $13,987-34.8% | $5,306+72.0% |