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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 | $62,728 | $197,637-68.3% | $177,848-64.7% | $158,982-60.5% |
| Participation rate | 87.5% | 88.5%-1.0pp | 87.7%-0.2pp | 82.0%+5.5pp |
| Annual return | 11.94% | 58.77%-46.8pp | 48.33%-36.4pp | 302.99%-291.1pp |
| Employer contribution / active EE | $1,858 | $6,698-72.3% | $5,919-68.6% | $4,763-61.0% |
| Participant deferral / active EE | $4,085 | $8,405-51.4% | $7,714-47.0% | $5,983-31.7% |
| Admin fee / account holder | $8,531 | $15,406-44.6% | $12,431-31.4% | $11,252-24.2% |