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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 | $63,026 | $88,672-28.9% | $105,223-40.1% | $82,448-23.6% |
| Participation rate | 97.1% | 67.9%+29.2pp | 75.0%+22.1pp | 68.1%+29.1pp |
| Annual return | 12.90% | 30.86%-18.0pp | 180.65%-167.7pp | 41.64%-28.7pp |
| Employer contribution / active EE | $9,580 | $3,048+214.3% | $3,689+159.7% | $2,551+275.6% |
| Participant deferral / active EE | $2,027 | $4,036-49.8% | $5,072-60.0% | $4,139-51.0% |
| Admin fee / account holder | $2,655 | $7,146-62.8% | $8,859-70.0% | $7,234-63.3% |