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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 | $82,906 | $175,257-52.7% | $149,717-44.6% | $139,456-40.6% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 21.24% | 166.70%-145.5pp | 134.41%-113.2pp | 373.45%-352.2pp |
| Employer contribution / active EE | $1,740 | $5,477-68.2% | $4,820-63.9% | $4,753-63.4% |
| Participant deferral / active EE | $15,248 | $6,521+133.8% | $5,682+168.4% | $6,711+127.2% |
| Admin fee / account holder | $811 | $16,156-95.0% | $13,213-93.9% | $11,407-92.9% |