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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 | $72,725 | $100,262-27.5% | $81,370-10.6% | $145,897-50.2% |
| Participation rate | 81.8% | 74.3%+7.5pp | 69.5%+12.3pp | 80.3%+1.5pp |
| Annual return | 17.73% | 34.52%-16.8pp | 24.85%-7.1pp | 552.29%-534.6pp |
| Employer contribution / active EE | $4,438 | $2,979+49.0% | $2,464+80.1% | $4,663-4.8% |
| Participant deferral / active EE | $2,763 | $4,612-40.1% | $3,885-28.9% | $6,689-58.7% |
| Admin fee / account holder | $3,922 | $8,163-52.0% | $5,749-31.8% | $13,390-70.7% |