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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 | $27,505 | $176,120-84.4% | $159,487-82.8% | $167,553-83.6% |
| Participation rate | 76.5% | 85.0%-8.5pp | 82.8%-6.4pp | 82.1%-5.6pp |
| Annual return | 14.42% | 331.95%-317.5pp | 263.71%-249.3pp | 478.89%-464.5pp |
| Employer contribution / active EE | $1,346 | $5,299-74.6% | $4,831-72.1% | $4,840-72.2% |
| Participant deferral / active EE | $5,395 | $7,752-30.4% | $7,354-26.6% | $6,343-14.9% |
| Admin fee / account holder | $1,104 | $12,561-91.2% | $10,804-89.8% | $12,316-91.0% |