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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 | $56,619 | $95,580-40.8% | $76,872-26.3% | $139,466-59.4% |
| Participation rate | 83.3% | 74.0%+9.4pp | 69.6%+13.7pp | 80.3%+3.0pp |
| Annual return | 12.08% | 55.00%-42.9pp | 37.90%-25.8pp | 373.66%-361.6pp |
| Employer contribution / active EE | $464 | $3,145-85.2% | $2,533-81.7% | $4,754-90.2% |
| Participant deferral / active EE | $2,733 | $4,623-40.9% | $3,832-28.7% | $6,712-59.3% |
| Admin fee / account holder | $13,017 | $8,302+56.8% | $5,476+137.7% | $11,409+14.1% |