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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 | $77,355 | $95,383-18.9% | $185,837-58.4% | $85,856-9.9% |
| Participation rate | 83.3% | 68.8%+14.6pp | 81.7%+1.6pp | 69.3%+14.0pp |
| Annual return | 17.82% | 23.59%-5.8pp | 122.08%-104.3pp | 318.58%-300.8pp |
| Employer contribution / active EE | $2,397 | $3,313-27.6% | $5,168-53.6% | $2,565-6.5% |
| Participant deferral / active EE | $4,236 | $3,423+23.7% | $5,568-23.9% | $3,952+7.2% |
| Admin fee / account holder | $4,009 | $7,213-44.4% | $16,241-75.3% | $6,261-36.0% |