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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 | $93,515 | $132,634-29.5% | $115,768-19.2% | $137,256-31.9% |
| Participation rate | 81.8% | 77.9%+3.9pp | 74.4%+7.4pp | 80.0%+1.9pp |
| Annual return | 16.36% | 160.70%-144.3pp | 100.46%-84.1pp | 220.34%-204.0pp |
| Employer contribution / active EE | $2,283 | $3,360-32.0% | $2,940-22.3% | $4,156-45.1% |
| Participant deferral / active EE | $7,616 | $5,619+35.5% | $4,917+54.9% | $6,407+18.9% |
| Admin fee / account holder | $6,501 | $15,028-56.7% | $12,439-47.7% | $12,270-47.0% |