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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 | $75,421 | $127,790-41.0% | $106,554-29.2% | $167,553-55.0% |
| Participation rate | 71.4% | 78.3%-6.9pp | 76.1%-4.7pp | 82.1%-10.7pp |
| Annual return | 17.93% | 33.88%-15.9pp | 26.80%-8.9pp | 478.89%-461.0pp |
| Employer contribution / active EE | $3,243 | $3,427-5.4% | $2,819+15.0% | $4,840-33.0% |
| Participant deferral / active EE | $7,598 | $5,088+49.3% | $4,398+72.7% | $6,343+19.8% |
| Admin fee / account holder | $1,626 | $11,231-85.5% | $7,408-78.0% | $12,316-86.8% |