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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 | $79,292 | $132,634-40.2% | $115,768-31.5% | $137,256-42.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 17.05% | 160.70%-143.6pp | 100.46%-83.4pp | 220.34%-203.3pp |
| Employer contribution / active EE | $1,585 | $3,360-52.8% | $2,940-46.1% | $4,156-61.9% |
| Participant deferral / active EE | $9,536 | $5,619+69.7% | $4,917+94.0% | $6,407+48.8% |
| Admin fee / account holder | $2,399 | $15,028-84.0% | $12,439-80.7% | $12,270-80.5% |