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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 | $74,365 | $102,385-27.4% | $147,080-49.4% | $80,935-8.1% |
| Participation rate | 77.3% | 75.9%+1.4pp | 82.2%-4.9pp | 67.7%+9.6pp |
| Annual return | 17.44% | 135.09%-117.7pp | 420.17%-402.7pp | 35.66%-18.2pp |
| Employer contribution / active EE | $1,525 | $3,717-59.0% | $4,933-69.1% | $2,757-44.7% |
| Participant deferral / active EE | $3,286 | $6,651-50.6% | $8,066-59.3% | $4,299-23.6% |
| Admin fee / account holder | $397 | $7,951-95.0% | $12,989-96.9% | $6,924-94.3% |