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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 | $78,016 | $116,203-32.9% | $93,621-16.7% | $152,897-49.0% |
| Participation rate | 81.8% | 78.1%+3.8pp | 75.8%+6.0pp | 82.5%-0.6pp |
| Annual return | 42.73% | 35.96%+6.8pp | 32.76%+10.0pp | 345.43%-302.7pp |
| Employer contribution / active EE | $1,555 | $3,219-51.7% | $2,719-42.8% | $4,764-67.4% |
| Participant deferral / active EE | $5,454 | $4,605+18.5% | $4,070+34.0% | $5,851-6.8% |
| Admin fee / account holder | $715 | $10,751-93.4% | $7,890-90.9% | $11,599-93.8% |