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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 | $78,138 | $89,367-12.6% | $141,191-44.7% | $72,975+7.1% |
| Participation rate | 76.0% | 75.1%+0.9pp | 82.5%-6.5pp | 69.5%+6.5pp |
| Annual return | 21.76% | 111.87%-90.1pp | 71.41%-49.6pp | 81.01%-59.2pp |
| Employer contribution / active EE | $2,302 | $3,115-26.1% | $4,736-51.4% | $2,440-5.7% |
| Participant deferral / active EE | $4,832 | $5,419-10.8% | $6,710-28.0% | $3,608+33.9% |
| Admin fee / account holder | $5,840 | $5,957-2.0% | $10,264-43.1% | $5,124+14.0% |