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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 | $70,484 | $111,814-37.0% | $103,378-31.8% | $145,978-51.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 18.46% | 24.80%-6.3pp | 24.91%-6.5pp | 550.52%-532.1pp |
| Employer contribution / active EE | $7,430 | $4,215+76.3% | $3,870+92.0% | $4,662+59.4% |
| Participant deferral / active EE | $4,450 | $5,618-20.8% | $5,058-12.0% | $6,690-33.5% |
| Admin fee / account holder | $979 | $9,764-90.0% | $8,401-88.3% | $13,400-92.7% |