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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 | $61,701 | $127,779-51.7% | $106,551-42.1% | $167,518-63.2% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 14.74% | 33.87%-19.1pp | 26.80%-12.1pp | 478.71%-464.0pp |
| Employer contribution / active EE | $3,922 | $3,427+14.4% | $2,819+39.1% | $4,838-18.9% |
| Participant deferral / active EE | $4,116 | $5,088-19.1% | $4,398-6.4% | $6,342-35.1% |
| Admin fee / account holder | $998 | $11,228-91.1% | $7,408-86.5% | $12,312-91.9% |