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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 | $68,191 | $89,370-23.7% | $141,197-51.7% | $72,976-6.6% |
| Participation rate | 73.7% | 75.1%-1.4pp | 82.5%-8.8pp | 69.5%+4.2pp |
| Annual return | 19.98% | 111.88%-91.9pp | 71.41%-51.4pp | 81.02%-61.0pp |
| Employer contribution / active EE | $1,723 | $3,115-44.7% | $4,736-63.6% | $2,440-29.4% |
| Participant deferral / active EE | $3,299 | $5,419-39.1% | $6,710-50.8% | $3,608-8.5% |
| Admin fee / account holder | $13,866 | $5,957+132.8% | $10,265+35.1% | $5,124+170.6% |