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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 | $29,288 | $106,918-72.6% | $84,021-65.1% | $152,897-80.8% |
| Participation rate | 90.0% | 75.2%+14.8pp | 69.0%+21.0pp | 82.5%+7.5pp |
| Annual return | 24.13% | 105.01%-80.9pp | 71.32%-47.2pp | 345.43%-321.3pp |
| Employer contribution / active EE | $3,460 | $2,735+26.5% | $1,984+74.4% | $4,764-27.4% |
| Participant deferral / active EE | $10,857 | $4,012+170.6% | $3,239+235.2% | $5,851+85.6% |
| Admin fee / account holder | $427 | $8,288-94.8% | $6,102-93.0% | $11,599-96.3% |