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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 | $35,648 | $110,303-67.7% | $95,759-62.8% | $139,487-74.4% |
| Participation rate | 90.9% | 75.7%+15.2pp | 72.3%+18.7pp | 80.3%+10.6pp |
| Annual return | 15.98% | 27.19%-11.2pp | 28.42%-12.4pp | 373.84%-357.9pp |
| Employer contribution / active EE | $6,472 | $3,261+98.5% | $2,836+128.2% | $4,755+36.1% |
| Participant deferral / active EE | $10,681 | $4,674+128.5% | $4,244+151.7% | $6,713+59.1% |
| Admin fee / account holder | $409 | $6,615-93.8% | $5,678-92.8% | $11,407-96.4% |