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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 | $156,277 | $91,179+71.4% | $178,499-12.4% | $79,852+95.7% |
| Participation rate | 88.0% | 69.2%+18.8pp | 81.9%+6.1pp | 69.6%+18.4pp |
| Annual return | 17.23% | 24.19%-7.0pp | 151.10%-133.9pp | 31.72%-14.5pp |
| Employer contribution / active EE | $1,472 | $3,256-54.8% | $5,011-70.6% | $2,471-40.4% |
| Participant deferral / active EE | $6,881 | $3,236+112.7% | $5,202+32.3% | $3,740+84.0% |
| Admin fee / account holder | $5,727 | $6,749-15.1% | $13,986-59.1% | $5,306+7.9% |