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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 | $111,535-28.6% | $105,223-24.4% | $137,256-42.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 11.93% | 237.85%-225.9pp | 180.65%-168.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,126 | $3,939-71.4% | $3,689-69.5% | $4,156-72.9% |
| Participant deferral / active EE | $4,826 | $5,500-12.3% | $5,072-4.9% | $6,407-24.7% |
| Admin fee / account holder | $1,714 | $9,721-82.4% | $8,859-80.6% | $12,270-86.0% |