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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 | $89,000 | $101,752-12.5% | $164,928-46.0% | $80,911+10.0% |
| Participation rate | 81.8% | 71.8%+10.0pp | 78.6%+3.2pp | 67.6%+14.2pp |
| Annual return | 13.46% | 16.73%-3.3pp | 70.08%-56.6pp | 35.63%-22.2pp |
| Employer contribution / active EE | $5,211 | $2,953+76.4% | $4,343+20.0% | $2,756+89.1% |
| Participant deferral / active EE | $7,749 | $4,477+73.1% | $6,034+28.4% | $4,297+80.3% |
| Admin fee / account holder | $7,202 | $8,218-12.4% | $12,684-43.2% | $6,935+3.9% |