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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 | $72,496 | $78,690-7.9% | $161,489-55.1% | $87,485-17.1% |
| Participation rate | 73.0% | 67.5%+5.6pp | 78.7%-5.7pp | 68.9%+4.1pp |
| Annual return | 14.81% | 32.74%-17.9pp | 89.72%-74.9pp | 26.06%-11.3pp |
| Employer contribution / active EE | $1,176 | $2,588-54.6% | $4,268-72.4% | $2,596-54.7% |
| Participant deferral / active EE | $5,412 | $3,311+63.5% | $5,630-3.9% | $4,274+26.6% |
| Admin fee / account holder | $1,371 | $6,724-79.6% | $16,006-91.4% | $7,775-82.4% |