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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 | $62,000 | $105,200-41.1% | $159,474-61.1% | $85,847-27.8% |
| Participation rate | 72.4% | 75.8%-3.4pp | 82.8%-10.4pp | 69.3%+3.1pp |
| Annual return | 18.14% | 45.08%-26.9pp | 263.68%-245.5pp | 318.61%-300.5pp |
| Employer contribution / active EE | $2,711 | $3,319-18.3% | $4,831-43.9% | $2,565+5.7% |
| Participant deferral / active EE | $6,853 | $5,946+15.3% | $7,353-6.8% | $3,952+73.4% |
| Admin fee / account holder | $564 | $6,934-91.9% | $10,802-94.8% | $6,261-91.0% |