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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 | $92,854 | $183,516-49.4% | $155,534-40.3% | $145,884-36.4% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 17.71% | 61.43%-43.7pp | 64.92%-47.2pp | 551.85%-534.1pp |
| Employer contribution / active EE | $1,120 | $5,315-78.9% | $4,675-76.0% | $4,662-76.0% |
| Participant deferral / active EE | $1,905 | $6,467-70.5% | $5,630-66.2% | $6,690-71.5% |
| Admin fee / account holder | $78,590 | $19,293+307.3% | $15,900+394.3% | $13,392+486.8% |