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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 | $61,766 | $69,274-10.8% | $64,097-3.6% | $139,487-55.7% |
| Participation rate | 71.4% | 75.6%-4.2pp | 72.3%-0.9pp | 80.3%-8.9pp |
| Annual return | 14.95% | 46.00%-31.1pp | 33.75%-18.8pp | 373.84%-358.9pp |
| Employer contribution / active EE | $4,427 | $3,187+38.9% | $2,750+61.0% | $4,755-6.9% |
| Participant deferral / active EE | $4,640 | $4,685-1.0% | $3,881+19.5% | $6,713-30.9% |
| Admin fee / account holder | $689 | $4,247-83.8% | $3,070-77.6% | $11,407-94.0% |