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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 | $43,531 | $124,330-65.0% | $109,173-60.1% | $167,536-74.0% |
| Participation rate | 94.7% | 79.5%+15.3pp | 75.9%+18.9pp | 82.1%+12.6pp |
| Annual return | 13.53% | 26.04%-12.5pp | 25.75%-12.2pp | 478.82%-465.3pp |
| Employer contribution / active EE | $1,549 | $4,209-63.2% | $3,723-58.4% | $4,839-68.0% |
| Participant deferral / active EE | $4,133 | $5,256-21.4% | $4,654-11.2% | $6,342-34.8% |
| Admin fee / account holder | $307 | $7,974-96.1% | $6,755-95.4% | $12,315-97.5% |