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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 | $68,979 | $73,978-6.8% | $96,515-28.5% | $75,173-8.2% |
| Participation rate | 96.9% | 66.4%+30.4pp | 74.3%+22.5pp | 67.2%+29.7pp |
| Annual return | 17.55% | 26.72%-9.2pp | 35.73%-18.2pp | 160.72%-143.2pp |
| Employer contribution / active EE | $11,185 | $2,931+281.6% | $3,740+199.1% | $2,671+318.7% |
| Participant deferral / active EE | $2,580 | $3,660-29.5% | $4,880-47.1% | $4,126-37.5% |
| Admin fee / account holder | $7,698 | $5,219+47.5% | $6,735+14.3% | $5,651+36.2% |