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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 | $78,705 | $89,367-11.9% | $141,191-44.3% | $72,975+7.9% |
| Participation rate | 84.0% | 75.1%+8.9pp | 82.5%+1.5pp | 69.5%+14.5pp |
| Annual return | 20.22% | 111.87%-91.6pp | 71.41%-51.2pp | 81.01%-60.8pp |
| Employer contribution / active EE | $1,011 | $3,115-67.5% | $4,736-78.7% | $2,440-58.6% |
| Participant deferral / active EE | $4,472 | $5,419-17.5% | $6,710-33.4% | $3,608+24.0% |
| Admin fee / account holder | $488 | $5,957-91.8% | $10,264-95.2% | $5,124-90.5% |