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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 | $39,517 | $98,776-60.0% | $149,745-73.6% | $79,856-50.5% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.5%+14.1pp | 69.6%+26.9pp |
| Annual return | 23.78% | 27.38%-3.6pp | 276.72%-252.9pp | 31.71%-7.9pp |
| Employer contribution / active EE | $1,090 | $3,217-66.1% | $4,646-76.5% | $2,471-55.9% |
| Participant deferral / active EE | $8,389 | $5,681+47.7% | $6,843+22.6% | $3,741+124.3% |
| Admin fee / account holder | $900 | $6,053-85.1% | $9,312-90.3% | $5,306-83.0% |