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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 | $54,432 | $124,314-56.2% | $109,163-50.1% | $167,518-67.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.70% | 26.04%-12.3pp | 25.75%-12.0pp | 478.71%-465.0pp |
| Employer contribution / active EE | $2,051 | $4,209-51.3% | $3,723-44.9% | $4,838-57.6% |
| Participant deferral / active EE | $3,697 | $5,256-29.7% | $4,654-20.6% | $6,342-41.7% |
| Admin fee / account holder | $6,463 | $7,973-18.9% | $6,754-4.3% | $12,312-47.5% |