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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 | $87,482 | $111,878-21.8% | $93,727-6.7% | $145,897-40.0% |
| Participation rate | 83.3% | 74.2%+9.1pp | 68.7%+14.6pp | 80.3%+3.0pp |
| Annual return | 12.87% | 204.28%-191.4pp | 133.83%-121.0pp | 552.29%-539.4pp |
| Employer contribution / active EE | $2,890 | $3,092-6.5% | $2,421+19.4% | $4,663-38.0% |
| Participant deferral / active EE | $7,449 | $4,920+51.4% | $4,417+68.6% | $6,689+11.4% |
| Admin fee / account holder | $557 | $10,256-94.6% | $8,292-93.3% | $13,390-95.8% |