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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 | $145,799 | $93,589+55.8% | $135,942+7.3% | $75,181+93.9% |
| Participation rate | 71.1% | 75.2%-4.1pp | 81.9%-10.8pp | 67.2%+3.9pp |
| Annual return | 15.31% | 30.90%-15.6pp | 68.28%-53.0pp | 160.69%-145.4pp |
| Employer contribution / active EE | $1,999 | $3,537-43.5% | $4,858-58.8% | $2,671-25.1% |
| Participant deferral / active EE | $6,049 | $6,405-5.6% | $7,759-22.0% | $4,126+46.6% |
| Admin fee / account holder | $39,486 | $6,977+465.9% | $10,764+266.8% | $5,650+598.9% |