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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 | $59,689 | $100,073-40.4% | $85,126-29.9% | $145,877-59.1% |
| Participation rate | 89.5% | 74.1%+15.4pp | 67.5%+22.0pp | 80.3%+9.2pp |
| Annual return | 10.48% | 84.11%-73.6pp | 66.63%-56.2pp | 551.28%-540.8pp |
| Employer contribution / active EE | $1,837 | $3,236-43.2% | $2,731-32.7% | $4,663-60.6% |
| Participant deferral / active EE | $8,943 | $5,294+68.9% | $4,523+97.7% | $6,691+33.7% |
| Admin fee / account holder | $2,057 | $7,261-71.7% | $6,160-66.6% | $13,402-84.7% |