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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 | $82,934 | $115,810-28.4% | $101,271-18.1% | $158,966-47.8% |
| Participation rate | 94.1% | 79.4%+14.8pp | 75.8%+18.3pp | 82.0%+12.2pp |
| Annual return | 12.00% | 56.15%-44.1pp | 46.48%-34.5pp | 302.95%-290.9pp |
| Employer contribution / active EE | $1,189 | $4,175-71.5% | $3,660-67.5% | $4,762-75.0% |
| Participant deferral / active EE | $2,981 | $4,958-39.9% | $4,371-31.8% | $5,983-50.2% |
| Admin fee / account holder | $18,575 | $7,248+156.3% | $5,948+212.3% | $11,250+65.1% |