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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 | $84,512 | $144,130-41.4% | $117,861-28.3% | $147,586-42.7% |
| Participation rate | 71.4% | 83.4%-12.0pp | 79.7%-8.2pp | 82.8%-11.4pp |
| Annual return | 14.85% | 531.20%-516.3pp | 335.11%-320.3pp | 578.59%-563.7pp |
| Employer contribution / active EE | $1,517 | $4,897-69.0% | $3,786-59.9% | $4,876-68.9% |
| Participant deferral / active EE | $5,873 | $5,316+10.5% | $4,482+31.0% | $5,439+8.0% |
| Admin fee / account holder | $388 | $10,887-96.4% | $8,021-95.2% | $10,886-96.4% |