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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 | $40,834 | $124,351-67.2% | $109,188-62.6% | $167,553-75.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.34% | 26.04%-12.7pp | 25.76%-12.4pp | 478.89%-465.6pp |
| Employer contribution / active EE | $1,386 | $4,210-67.1% | $3,723-62.8% | $4,840-71.4% |
| Participant deferral / active EE | $4,117 | $5,257-21.7% | $4,654-11.5% | $6,343-35.1% |
| Admin fee / account holder | $432 | $7,975-94.6% | $6,755-93.6% | $12,316-96.5% |