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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 | $73,216 | $77,908-6.0% | $149,696-51.1% | $75,173-2.6% |
| Participation rate | 80.0% | 65.6%+14.4pp | 78.8%+1.2pp | 67.2%+12.8pp |
| Annual return | 13.79% | 31.73%-17.9pp | 134.46%-120.7pp | 160.72%-146.9pp |
| Employer contribution / active EE | $2,104 | $3,138-32.9% | $4,821-56.3% | $2,671-21.2% |
| Participant deferral / active EE | $4,770 | $3,411+39.8% | $5,682-16.1% | $4,126+15.6% |
| Admin fee / account holder | $6,080 | $5,950+2.2% | $13,212-54.0% | $5,651+7.6% |