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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 | $77,062 | $152,612-49.5% | $125,192-38.4% | $152,897-49.6% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 29.09% | 54.85%-25.8pp | 43.79%-14.7pp | 345.43%-316.3pp |
| Employer contribution / active EE | $1,754 | $4,947-64.6% | $3,866-54.6% | $4,764-63.2% |
| Participant deferral / active EE | $11,143 | $5,868+89.9% | $4,937+125.7% | $5,851+90.4% |
| Admin fee / account holder | $661 | $13,437-95.1% | $9,704-93.2% | $11,599-94.3% |