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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 | $97,186 | $168,636-42.4% | $147,618-34.2% | $125,388-22.5% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | 1.45% | 77.65%-76.2pp | 61.98%-60.5pp | 282.24%-280.8pp |
| Employer contribution / active EE | $3,530 | $6,252-43.5% | $5,565-36.6% | $4,866-27.5% |
| Participant deferral / active EE | $7,338 | $5,507+33.2% | $4,895+49.9% | $5,352+37.1% |
| Admin fee / account holder | $1,869 | $13,580-86.2% | $11,612-83.9% | $9,541-80.4% |