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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 | $79,597 | $129,737-38.6% | $119,126-33.2% | $154,746-48.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 11.93% | 379.08%-367.1pp | 282.11%-270.2pp | 172.34%-160.4pp |
| Employer contribution / active EE | $1,126 | $4,375-74.3% | $4,034-72.1% | $4,379-74.3% |
| Participant deferral / active EE | $4,826 | $5,842-17.4% | $5,318-9.3% | $6,730-28.3% |
| Admin fee / account holder | $1,714 | $11,961-85.7% | $10,693-84.0% | $14,365-88.1% |