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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 | $69,694 | $89,259-21.9% | $107,187-35.0% | $82,637-15.7% |
| Participation rate | 80.8% | 67.9%+12.8pp | 75.0%+5.7pp | 68.1%+12.7pp |
| Annual return | 16.94% | 21.02%-4.1pp | 204.55%-187.6pp | 53.51%-36.6pp |
| Employer contribution / active EE | $1,821 | $3,080-40.9% | $3,782-51.9% | $2,552-28.7% |
| Participant deferral / active EE | $6,189 | $4,037+53.3% | $5,096+21.4% | $4,126+50.0% |
| Admin fee / account holder | $2,686 | $7,381-63.6% | $9,162-70.7% | $7,339-63.4% |