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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 | $73,948 | $90,397-18.2% | $76,002-2.7% | $145,959-49.3% |
| Participation rate | 72.7% | 74.5%-1.8pp | 69.1%+3.6pp | 80.3%-7.6pp |
| Annual return | 10.93% | 621.97%-611.0pp | 360.07%-349.1pp | 561.95%-551.0pp |
| Employer contribution / active EE | $1,561 | $3,317-53.0% | $2,688-41.9% | $4,661-66.5% |
| Participant deferral / active EE | $4,741 | $5,163-8.2% | $4,257+11.4% | $6,689-29.1% |
| Admin fee / account holder | $7,084 | $8,369-15.4% | $6,414+10.5% | $13,398-47.1% |