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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 | $70,322 | $162,812-56.8% | $133,971-47.5% | $158,966-55.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 14.82% | 41.94%-27.1pp | 45.09%-30.3pp | 302.95%-288.1pp |
| Employer contribution / active EE | $2,671 | $4,976-46.3% | $3,919-31.8% | $4,762-43.9% |
| Participant deferral / active EE | $7,126 | $5,910+20.6% | $5,047+41.2% | $5,983+19.1% |
| Admin fee / account holder | $789 | $11,741-93.3% | $8,929-91.2% | $11,250-93.0% |