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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 | $74,171 | $117,895-37.1% | $102,460-27.6% | $145,897-49.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 9.74% | 31.92%-22.2pp | 29.47%-19.7pp | 552.29%-542.5pp |
| Employer contribution / active EE | $1,963 | $3,619-45.8% | $3,025-35.1% | $4,663-57.9% |
| Participant deferral / active EE | $4,848 | $5,736-15.5% | $5,056-4.1% | $6,689-27.5% |
| Admin fee / account holder | $693 | $13,353-94.8% | $9,460-92.7% | $13,390-94.8% |