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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 | $60,182 | $105,960-43.2% | $81,726-26.4% | $158,982-62.1% |
| Participation rate | 95.0% | 75.6%+19.4pp | 72.0%+23.0pp | 82.0%+13.0pp |
| Annual return | 21.45% | 38.19%-16.7pp | 29.49%-8.0pp | 302.99%-281.5pp |
| Employer contribution / active EE | $7,849 | $7,805+0.6% | $4,311+82.1% | $4,763+64.8% |
| Participant deferral / active EE | $8,179 | $13,011-37.1% | $7,108+15.1% | $5,983+36.7% |
| Admin fee / account holder | $549 | $8,494-93.5% | $5,160-89.4% | $11,252-95.1% |