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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 | $47,339 | $162,812-70.9% | $133,971-64.7% | $158,966-70.2% |
| Participation rate | 71.4% | 83.2%-11.8pp | 79.8%-8.4pp | 82.0%-10.5pp |
| Annual return | 17.31% | 41.94%-24.6pp | 45.09%-27.8pp | 302.95%-285.6pp |
| Employer contribution / active EE | $1,990 | $4,976-60.0% | $3,919-49.2% | $4,762-58.2% |
| Participant deferral / active EE | $8,648 | $5,910+46.3% | $5,047+71.3% | $5,983+44.5% |
| Admin fee / account holder | $327 | $11,741-97.2% | $8,929-96.3% | $11,250-97.1% |