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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 | $91,765 | $162,821-43.6% | $133,978-31.5% | $158,982-42.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 8.10% | 41.95%-33.8pp | 45.10%-37.0pp | 302.99%-294.9pp |
| Employer contribution / active EE | $1,412 | $4,976-71.6% | $3,919-64.0% | $4,763-70.4% |
| Participant deferral / active EE | $4,046 | $5,910-31.6% | $5,047-19.8% | $5,983-32.4% |
| Admin fee / account holder | $9,732 | $11,742-17.1% | $8,930+9.0% | $11,252-13.5% |