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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 | $87,259 | $111,830-22.0% | $93,696-6.9% | $145,884-40.2% |
| Participation rate | 70.0% | 74.2%-4.2pp | 68.7%+1.3pp | 80.3%-10.3pp |
| Annual return | 20.40% | 204.08%-183.7pp | 133.74%-113.3pp | 551.85%-531.4pp |
| Employer contribution / active EE | $1,937 | $3,093-37.4% | $2,422-20.0% | $4,662-58.4% |
| Participant deferral / active EE | $3,666 | $4,920-25.5% | $4,417-17.0% | $6,690-45.2% |
| Admin fee / account holder | $5,904 | $10,249-42.4% | $8,287-28.8% | $13,392-55.9% |