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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 | $75,721 | $78,690-3.8% | $161,489-53.1% | $87,485-13.4% |
| Participation rate | 71.0% | 67.5%+3.5pp | 78.7%-7.7pp | 68.9%+2.0pp |
| Annual return | 17.66% | 32.74%-15.1pp | 89.72%-72.1pp | 26.06%-8.4pp |
| Employer contribution / active EE | $515 | $2,588-80.1% | $4,268-87.9% | $2,596-80.2% |
| Participant deferral / active EE | $5,205 | $3,311+57.2% | $5,630-7.5% | $4,274+21.8% |
| Admin fee / account holder | $1,485 | $6,724-77.9% | $16,006-90.7% | $7,775-80.9% |