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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 | $70,626 | $111,535-36.7% | $105,223-32.9% | $137,256-48.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.91% | 237.85%-223.9pp | 180.65%-166.7pp | 220.34%-206.4pp |
| Employer contribution / active EE | $1,387 | $3,939-64.8% | $3,689-62.4% | $4,156-66.6% |
| Participant deferral / active EE | $7,914 | $5,500+43.9% | $5,072+56.0% | $6,407+23.5% |
| Admin fee / account holder | $1,106 | $9,721-88.6% | $8,859-87.5% | $12,270-91.0% |