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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 | $78,302 | $85,766-8.7% | $136,297-42.6% | $70,124+11.7% |
| Participation rate | 87.2% | 74.2%+13.0pp | 81.9%+5.3pp | 69.5%+17.6pp |
| Annual return | 14.25% | 31.45%-17.2pp | 5156.19%-5141.9pp | 73.14%-58.9pp |
| Employer contribution / active EE | $2,474 | $2,966-16.6% | $4,696-47.3% | $2,342+5.6% |
| Participant deferral / active EE | $6,696 | $5,051+32.6% | $6,247+7.2% | $3,332+101.0% |
| Admin fee / account holder | $6,239 | $5,420+15.1% | $9,244-32.5% | $4,645+34.3% |