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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 | $65,612 | $232,540-71.8% | $185,117-64.6% | $147,586-55.5% |
| Participation rate | 94.1% | 82.4%+11.8pp | 77.3%+16.9pp | 82.8%+11.3pp |
| Annual return | 17.25% | 43.03%-25.8pp | 40.50%-23.2pp | 578.59%-561.3pp |
| Employer contribution / active EE | $1,048 | $5,195-79.8% | $4,182-74.9% | $4,876-78.5% |
| Participant deferral / active EE | $3,419 | $5,834-41.4% | $5,045-32.2% | $5,439-37.1% |
| Admin fee / account holder | $433 | $10,275-95.8% | $8,159-94.7% | $10,886-96.0% |