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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 | $82,215 | $89,370-8.0% | $141,197-41.8% | $72,976+12.7% |
| Participation rate | 93.3% | 75.1%+18.2pp | 82.5%+10.9pp | 69.5%+23.8pp |
| Annual return | 19.16% | 111.88%-92.7pp | 71.41%-52.2pp | 81.02%-61.9pp |
| Employer contribution / active EE | $4,287 | $3,115+37.6% | $4,736-9.5% | $2,440+75.7% |
| Participant deferral / active EE | $3,450 | $5,419-36.3% | $6,710-48.6% | $3,608-4.4% |
| Admin fee / account holder | $11,122 | $5,957+86.7% | $10,265+8.3% | $5,124+117.0% |