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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 | $42,508 | $112,131-62.1% | $95,964-55.7% | $158,982-73.3% |
| Participation rate | 91.7% | 79.0%+12.7pp | 77.1%+14.6pp | 82.0%+9.7pp |
| Annual return | 13.80% | 171.19%-157.4pp | 91.64%-77.8pp | 302.99%-289.2pp |
| Employer contribution / active EE | $1,417 | $3,199-55.7% | $2,541-44.2% | $4,763-70.2% |
| Participant deferral / active EE | $6,645 | $4,784+38.9% | $4,167+59.5% | $5,983+11.1% |
| Admin fee / account holder | $397 | $10,136-96.1% | $6,797-94.2% | $11,252-96.5% |