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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 | $64,322 | $105,198-38.9% | $159,455-59.7% | $85,856-25.1% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.8%+0.5pp | 69.3%+14.0pp |
| Annual return | 17.66% | 45.08%-27.4pp | 263.63%-246.0pp | 318.58%-300.9pp |
| Employer contribution / active EE | $2,744 | $3,319-17.3% | $4,830-43.2% | $2,565+7.0% |
| Participant deferral / active EE | $4,783 | $5,946-19.6% | $7,353-35.0% | $3,952+21.0% |
| Admin fee / account holder | $611 | $6,934-91.2% | $10,800-94.3% | $6,261-90.2% |