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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 | $69,536 | $100,279-30.7% | $81,353-14.5% | $145,884-52.3% |
| Participation rate | 80.0% | 74.3%+5.7pp | 69.5%+10.5pp | 80.3%-0.3pp |
| Annual return | 13.16% | 34.49%-21.3pp | 24.82%-11.7pp | 551.85%-538.7pp |
| Employer contribution / active EE | $1,500 | $2,979-49.7% | $2,464-39.1% | $4,662-67.8% |
| Participant deferral / active EE | $15,300 | $4,611+231.8% | $3,885+293.9% | $6,690+128.7% |
| Admin fee / account holder | $780 | $8,206-90.5% | $5,766-86.5% | $13,392-94.2% |