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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 | $65,311 | $127,790-48.9% | $106,554-38.7% | $167,553-61.0% |
| Participation rate | 81.8% | 78.3%+3.5pp | 76.1%+5.7pp | 82.1%-0.3pp |
| Annual return | 18.26% | 33.88%-15.6pp | 26.80%-8.5pp | 478.89%-460.6pp |
| Employer contribution / active EE | $1,670 | $3,427-51.3% | $2,819-40.8% | $4,840-65.5% |
| Participant deferral / active EE | $5,084 | $5,088-0.1% | $4,398+15.6% | $6,343-19.9% |
| Admin fee / account holder | $326 | $11,231-97.1% | $7,408-95.6% | $12,316-97.4% |