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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 | $93,593 | $152,612-38.7% | $125,192-25.2% | $152,897-38.8% |
| Participation rate | 73.3% | 83.3%-10.0pp | 79.8%-6.4pp | 82.5%-9.1pp |
| Annual return | 18.51% | 54.85%-36.3pp | 43.79%-25.3pp | 345.43%-326.9pp |
| Employer contribution / active EE | $1,216 | $4,947-75.4% | $3,866-68.5% | $4,764-74.5% |
| Participant deferral / active EE | $4,228 | $5,868-27.9% | $4,937-14.4% | $5,851-27.7% |
| Admin fee / account holder | $962 | $13,437-92.8% | $9,704-90.1% | $11,599-91.7% |