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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 | $63,762 | $85,766-25.7% | $136,298-53.2% | $70,126-9.1% |
| Participation rate | 73.3% | 74.2%-0.8pp | 81.9%-8.6pp | 69.5%+3.8pp |
| Annual return | 15.68% | 31.46%-15.8pp | 5156.27%-5140.6pp | 73.15%-57.5pp |
| Employer contribution / active EE | $1,427 | $2,966-51.9% | $4,696-69.6% | $2,343-39.1% |
| Participant deferral / active EE | $6,408 | $5,051+26.8% | $6,247+2.6% | $3,332+92.3% |
| Admin fee / account holder | $10,848 | $5,421+100.1% | $9,244+17.3% | $4,645+133.5% |