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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 | $28,057 | $102,429-72.6% | $147,096-80.9% | $80,925-65.3% |
| Participation rate | 98.4% | 75.9%+22.6pp | 82.2%+16.2pp | 67.7%+30.8pp |
| Annual return | 14.00% | 135.02%-121.0pp | 419.75%-405.8pp | 35.65%-21.7pp |
| Employer contribution / active EE | $3,053 | $3,716-17.8% | $4,936-38.1% | $2,756+10.8% |
| Participant deferral / active EE | $6,876 | $6,649+3.4% | $8,071-14.8% | $4,299+59.9% |
| Admin fee / account holder | $977 | $7,957-87.7% | $13,005-92.5% | $6,940-85.9% |