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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 | $78,840 | $85,766-8.1% | $136,298-42.2% | $70,126+12.4% |
| Participation rate | 82.1% | 74.2%+7.9pp | 81.9%+0.1pp | 69.5%+12.5pp |
| Annual return | 17.55% | 31.46%-13.9pp | 5156.27%-5138.7pp | 73.15%-55.6pp |
| Employer contribution / active EE | $2,335 | $2,966-21.3% | $4,696-50.3% | $2,343-0.3% |
| Participant deferral / active EE | $4,595 | $5,051-9.0% | $6,247-26.5% | $3,332+37.9% |
| Admin fee / account holder | $743 | $5,421-86.3% | $9,244-92.0% | $4,645-84.0% |