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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 | $61,598 | $58,828+4.7% | $78,002-21.0% | $62,881-2.0% |
| Participation rate | 75.9% | 71.1%+4.8pp | 75.5%+0.3pp | 69.3%+6.6pp |
| Annual return | 6.05% | 17.16%-11.1pp | 425.99%-419.9pp | 20.14%-14.1pp |
| Employer contribution / active EE | $1,461 | $1,672-12.6% | $2,470-40.9% | $2,281-36.0% |
| Participant deferral / active EE | $2,490 | $2,686-7.3% | $3,497-28.8% | $3,203-22.3% |
| Admin fee / account holder | $8,315 | $4,393+89.3% | $5,481+51.7% | $4,296+93.6% |