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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 | $32,796 | $124,314-73.6% | $109,163-70.0% | $167,518-80.4% |
| Participation rate | 71.4% | 79.4%-8.0pp | 75.9%-4.5pp | 82.1%-10.7pp |
| Annual return | 9.78% | 26.04%-16.3pp | 25.75%-16.0pp | 478.71%-468.9pp |
| Employer contribution / active EE | $7,275 | $4,209+72.8% | $3,723+95.4% | $4,838+50.4% |
| Participant deferral / active EE | $11,810 | $5,256+124.7% | $4,654+153.8% | $6,342+86.2% |
| Admin fee / account holder | $13,304 | $7,973+66.9% | $6,754+97.0% | $12,312+8.1% |