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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 | $176,254 | $81,696+115.7% | $70,494+150.0% | $158,982+10.9% |
| Participation rate | 75.0% | 77.7%-2.7pp | 75.1%-0.1pp | 82.0%-7.0pp |
| Annual return | 21.59% | 208.70%-187.1pp | 109.16%-87.6pp | 302.99%-281.4pp |
| Employer contribution / active EE | $1,470 | $3,220-54.4% | $2,738-46.3% | $4,763-69.1% |
| Participant deferral / active EE | $13,126 | $4,558+188.0% | $3,711+253.7% | $5,983+119.4% |
| Admin fee / account holder | $432 | $6,200-93.0% | $3,848-88.8% | $11,252-96.2% |