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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 | $78,965 | $102,385-22.9% | $147,080-46.3% | $80,935-2.4% |
| Participation rate | 73.0% | 75.9%-2.9pp | 82.2%-9.2pp | 67.7%+5.3pp |
| Annual return | 15.83% | 135.09%-119.3pp | 420.17%-404.3pp | 35.66%-19.8pp |
| Employer contribution / active EE | $1,109 | $3,717-70.2% | $4,933-77.5% | $2,757-59.8% |
| Participant deferral / active EE | $5,030 | $6,651-24.4% | $8,066-37.6% | $4,299+17.0% |
| Admin fee / account holder | $1,579 | $7,951-80.1% | $12,989-87.8% | $6,924-77.2% |