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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 | $81,184 | $103,038-21.2% | $90,324-10.1% | $152,909-46.9% |
| Participation rate | 91.3% | 75.9%+15.4pp | 73.3%+18.0pp | 82.5%+8.8pp |
| Annual return | 15.84% | 95.25%-79.4pp | 78.15%-62.3pp | 345.46%-329.6pp |
| Employer contribution / active EE | $1,567 | $3,141-50.1% | $2,856-45.1% | $4,764-67.1% |
| Participant deferral / active EE | $3,818 | $4,282-10.8% | $3,885-1.7% | $5,851-34.7% |
| Admin fee / account holder | $1,320 | $6,177-78.6% | $5,356-75.3% | $11,601-88.6% |