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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 | $36,664 | $165,381-77.8% | $149,730-75.5% | $158,966-76.9% |
| Participation rate | 70.0% | 84.6%-14.6pp | 82.5%-12.5pp | 82.0%-12.0pp |
| Annual return | 15.72% | 348.29%-332.6pp | 276.70%-261.0pp | 302.95%-287.2pp |
| Employer contribution / active EE | $1,705 | $5,104-66.6% | $4,645-63.3% | $4,762-64.2% |
| Participant deferral / active EE | $11,209 | $7,182+56.1% | $6,843+63.8% | $5,983+87.3% |
| Admin fee / account holder | $3,880 | $10,809-64.1% | $9,310-58.3% | $11,250-65.5% |