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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 | $65,677 | $89,370-26.5% | $141,197-53.5% | $72,976-10.0% |
| Participation rate | 84.0% | 75.1%+8.9pp | 82.5%+1.5pp | 69.5%+14.5pp |
| Annual return | 49.34% | 111.88%-62.5pp | 71.41%-22.1pp | 81.02%-31.7pp |
| Employer contribution / active EE | $1,203 | $3,115-61.4% | $4,736-74.6% | $2,440-50.7% |
| Participant deferral / active EE | $8,818 | $5,419+62.7% | $6,710+31.4% | $3,608+144.4% |
| Admin fee / account holder | $1,604 | $5,957-73.1% | $10,265-84.4% | $5,124-68.7% |