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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 | $55,017 | $127,790-56.9% | $106,555-48.4% | $167,536-67.2% |
| Participation rate | 71.4% | 78.3%-6.8pp | 76.1%-4.7pp | 82.1%-10.7pp |
| Annual return | 8.59% | 33.88%-25.3pp | 26.80%-18.2pp | 478.82%-470.2pp |
| Employer contribution / active EE | $1,857 | $3,428-45.8% | $2,819-34.1% | $4,839-61.6% |
| Participant deferral / active EE | $5,225 | $5,088+2.7% | $4,399+18.8% | $6,342-17.6% |
| Admin fee / account holder | $452 | $11,229-96.0% | $7,408-93.9% | $12,315-96.3% |