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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 | $69,480 | $83,337-16.6% | $67,834+2.4% | $273,972-74.6% |
| Participation rate | 81.8% | 76.4%+5.4pp | 68.8%+13.0pp | 83.0%-1.2pp |
| Annual return | 6.50% | 259.45%-252.9pp | 138.47%-132.0pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,616 | $3,287-50.9% | $2,403-32.8% | $4,869-66.8% |
| Participant deferral / active EE | $4,875 | $4,088+19.3% | $3,160+54.3% | $5,287-7.8% |
| Admin fee / account holder | $4,073 | $6,752-39.7% | $4,622-11.9% | $10,133-59.8% |