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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 | $80,867 | $162,136-50.1% | $152,301-46.9% | $154,746-47.7% |
| Participation rate | 84.6% | 84.1%+0.5pp | 82.4%+2.2pp | 80.7%+3.9pp |
| Annual return | 32.75% | 91.02%-58.3pp | 80.50%-47.7pp | 172.34%-139.6pp |
| Employer contribution / active EE | $1,557 | $4,890-68.2% | $4,624-66.3% | $4,379-64.4% |
| Participant deferral / active EE | $6,296 | $8,341-24.5% | $8,004-21.3% | $6,730-6.5% |
| Admin fee / account holder | $29,816 | $15,759+89.2% | $14,398+107.1% | $14,365+107.6% |