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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 | $103,399 | $176,402-41.4% | $134,162-22.9% | $158,966-35.0% |
| Participation rate | 80.0% | 78.7%+1.3pp | 72.2%+7.8pp | 82.0%-2.0pp |
| Annual return | 5.38% | 63.66%-58.3pp | 36.35%-31.0pp | 302.95%-297.6pp |
| Employer contribution / active EE | $1,865 | $5,042-63.0% | $3,705-49.7% | $4,762-60.8% |
| Participant deferral / active EE | $10,500 | $4,093+156.5% | $3,500+200.0% | $5,983+75.5% |
| Admin fee / account holder | $13,036 | $8,719+49.5% | $6,685+95.0% | $11,250+15.9% |