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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 | $91,260 | $98,766-7.6% | $149,730-39.1% | $79,852+14.3% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.5%-2.5pp | 69.6%+10.4pp |
| Annual return | 15.96% | 27.43%-11.5pp | 276.70%-260.7pp | 31.72%-15.8pp |
| Employer contribution / active EE | $2,746 | $3,217-14.6% | $4,645-40.9% | $2,471+11.1% |
| Participant deferral / active EE | $4,025 | $5,681-29.1% | $6,843-41.2% | $3,740+7.6% |
| Admin fee / account holder | $13,271 | $6,052+119.3% | $9,310+42.5% | $5,306+150.1% |