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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 | $77,401 | $88,754-12.8% | $81,820-5.4% | $145,877-46.9% |
| Participation rate | 83.3% | 75.1%+8.3pp | 72.4%+10.9pp | 80.3%+3.0pp |
| Annual return | 15.74% | 1031.77%-1016.0pp | 777.93%-762.2pp | 551.28%-535.5pp |
| Employer contribution / active EE | $1,398 | $3,085-54.7% | $2,915-52.0% | $4,663-70.0% |
| Participant deferral / active EE | $3,575 | $4,648-23.1% | $4,323-17.3% | $6,691-46.6% |
| Admin fee / account holder | $559 | $8,424-93.4% | $7,391-92.4% | $13,402-95.8% |