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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 | $80,578 | $93,346-13.7% | $71,796+12.2% | $273,972-70.6% |
| Participation rate | 73.7% | 76.5%-2.8pp | 69.1%+4.6pp | 83.0%-9.3pp |
| Annual return | 6.99% | 130.39%-123.4pp | 78.04%-71.1pp | 41.46%-34.5pp |
| Employer contribution / active EE | $633 | $2,733-76.8% | $1,924-67.1% | $4,869-87.0% |
| Participant deferral / active EE | $2,470 | $3,475-28.9% | $2,794-11.6% | $5,287-53.3% |
| Admin fee / account holder | $1,333 | $6,571-79.7% | $4,815-72.3% | $10,133-86.8% |