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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 | $78,823 | $111,878-29.5% | $93,727-15.9% | $145,897-46.0% |
| Participation rate | 90.0% | 74.2%+15.8pp | 68.7%+21.3pp | 80.3%+9.7pp |
| Annual return | 9.77% | 204.28%-194.5pp | 133.83%-124.1pp | 552.29%-542.5pp |
| Employer contribution / active EE | $1,459 | $3,092-52.8% | $2,421-39.8% | $4,663-68.7% |
| Participant deferral / active EE | $2,812 | $4,920-42.8% | $4,417-36.3% | $6,689-58.0% |
| Admin fee / account holder | $977 | $10,256-90.5% | $8,292-88.2% | $13,390-92.7% |