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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 | $77,762 | $110,337-29.5% | $102,383-24.0% | $145,877-46.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.93% | 24.83%-11.9pp | 24.94%-12.0pp | 551.28%-538.4pp |
| Employer contribution / active EE | $3,360 | $4,216-20.3% | $3,870-13.2% | $4,663-27.9% |
| Participant deferral / active EE | $9,747 | $5,621+73.4% | $5,060+92.6% | $6,691+45.7% |
| Admin fee / account holder | $384 | $9,750-96.1% | $8,391-95.4% | $13,402-97.1% |