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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 | $63,745 | $176,402-63.9% | $134,162-52.5% | $158,966-59.9% |
| Participation rate | 87.5% | 78.7%+8.8pp | 72.2%+15.3pp | 82.0%+5.5pp |
| Annual return | 13.56% | 63.66%-50.1pp | 36.35%-22.8pp | 302.95%-289.4pp |
| Employer contribution / active EE | $223 | $5,042-95.6% | $3,705-94.0% | $4,762-95.3% |
| Participant deferral / active EE | $394 | $4,093-90.4% | $3,500-88.7% | $5,983-93.4% |
| Admin fee / account holder | $309 | $8,719-96.5% | $6,685-95.4% | $11,250-97.3% |