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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 | $87,987 | $105,198-16.4% | $159,455-44.8% | $85,856+2.5% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.8%-2.8pp | 69.3%+10.7pp |
| Annual return | 13.42% | 45.08%-31.7pp | 263.63%-250.2pp | 318.58%-305.2pp |
| Employer contribution / active EE | $2,084 | $3,319-37.2% | $4,830-56.8% | $2,565-18.7% |
| Participant deferral / active EE | $5,254 | $5,946-11.6% | $7,353-28.5% | $3,952+32.9% |
| Admin fee / account holder | $2,574 | $6,934-62.9% | $10,800-76.2% | $6,261-58.9% |