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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 | $142,362 | $228,352-37.7% | $185,835-23.4% | $158,966-10.4% |
| Participation rate | 71.4% | 82.3%-10.9pp | 78.0%-6.6pp | 82.0%-10.5pp |
| Annual return | 12.92% | 40.81%-27.9pp | 35.96%-23.0pp | 302.95%-290.0pp |
| Employer contribution / active EE | $1,441 | $4,967-71.0% | $4,087-64.7% | $4,762-69.7% |
| Participant deferral / active EE | $7,281 | $6,416+13.5% | $5,633+29.3% | $5,983+21.7% |
| Admin fee / account holder | $1,722 | $11,867-85.5% | $9,502-81.9% | $11,250-84.7% |