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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 | $87,429 | $117,895-25.8% | $102,460-14.7% | $145,897-40.1% |
| Participation rate | 90.0% | 78.6%+11.4pp | 76.5%+13.5pp | 80.3%+9.7pp |
| Annual return | 13.84% | 31.92%-18.1pp | 29.47%-15.6pp | 552.29%-538.5pp |
| Employer contribution / active EE | $1,090 | $3,619-69.9% | $3,025-64.0% | $4,663-76.6% |
| Participant deferral / active EE | $13,431 | $5,736+134.1% | $5,056+165.6% | $6,689+100.8% |
| Admin fee / account holder | $553 | $13,353-95.9% | $9,460-94.1% | $13,390-95.9% |