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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 | $98,014 | $154,193-36.4% | $130,045-24.6% | $139,466-29.7% |
| Participation rate | 73.3% | 82.0%-8.6pp | 78.5%-5.2pp | 80.3%-7.0pp |
| Annual return | 15.73% | 32.51%-16.8pp | -137.30%+153.0pp | 373.66%-357.9pp |
| Employer contribution / active EE | $1,368 | $5,292-74.2% | $4,321-68.3% | $4,754-71.2% |
| Participant deferral / active EE | $4,229 | $6,709-37.0% | $5,820-27.3% | $6,712-37.0% |
| Admin fee / account holder | $1,115 | $13,989-92.0% | $10,600-89.5% | $11,409-90.2% |