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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 | $79,500 | $185,312-57.1% | $161,489-50.8% | $154,746-48.6% |
| Participation rate | 81.8% | 82.5%-0.6pp | 78.7%+3.1pp | 80.7%+1.1pp |
| Annual return | 16.77% | 103.84%-87.1pp | 89.72%-72.9pp | 172.34%-155.6pp |
| Employer contribution / active EE | $1,744 | $4,769-63.4% | $4,268-59.1% | $4,379-60.2% |
| Participant deferral / active EE | $3,242 | $6,350-48.9% | $5,630-42.4% | $6,730-51.8% |
| Admin fee / account holder | $14,858 | $18,654-20.3% | $16,006-7.2% | $14,365+3.4% |