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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 | $117,829-25.8% | $102,423-14.6% | $145,877-40.1% |
| Participation rate | 90.0% | 78.6%+11.4pp | 76.5%+13.5pp | 80.3%+9.7pp |
| Annual return | 13.84% | 31.83%-18.0pp | 29.42%-15.6pp | 551.28%-537.4pp |
| Employer contribution / active EE | $1,090 | $3,615-69.8% | $3,023-63.9% | $4,663-76.6% |
| Participant deferral / active EE | $13,431 | $5,732+134.3% | $5,054+165.7% | $6,691+100.7% |
| Admin fee / account holder | $553 | $13,335-95.8% | $9,455-94.1% | $13,402-95.9% |