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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 | $68,164 | $93,345-27.0% | $119,126-42.8% | $87,485-22.1% |
| Participation rate | 76.3% | 68.7%+7.6pp | 75.8%+0.6pp | 68.9%+7.4pp |
| Annual return | 16.84% | 19.08%-2.2pp | 282.11%-265.3pp | 26.06%-9.2pp |
| Employer contribution / active EE | $1,298 | $3,172-59.1% | $4,034-67.8% | $2,596-50.0% |
| Participant deferral / active EE | $3,424 | $4,099-16.5% | $5,318-35.6% | $4,274-19.9% |
| Admin fee / account holder | $463 | $8,039-94.2% | $10,693-95.7% | $7,775-94.0% |