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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 | $83,899 | $118,869-29.4% | $96,575-13.1% | $167,518-49.9% |
| Participation rate | 88.9% | 75.5%+13.4pp | 69.8%+19.1pp | 82.1%+6.8pp |
| Annual return | 10.97% | 50.49%-39.5pp | 37.79%-26.8pp | 478.71%-467.7pp |
| Employer contribution / active EE | $1,242 | $3,120-60.2% | $2,357-47.3% | $4,838-74.3% |
| Participant deferral / active EE | $8,225 | $4,616+78.2% | $3,849+113.7% | $6,342+29.7% |
| Admin fee / account holder | $1,477 | $8,067-81.7% | $6,182-76.1% | $12,312-88.0% |