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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 | $102,422-72.6% | $147,117-80.9% | $80,959-65.3% |
| Participation rate | 98.4% | 75.9%+22.5pp | 82.2%+16.2pp | 67.7%+30.7pp |
| Annual return | 14.00% | 135.16%-121.2pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $3,053 | $3,717-17.9% | $4,932-38.1% | $2,757+10.7% |
| Participant deferral / active EE | $6,876 | $6,652+3.4% | $8,065-14.7% | $4,300+59.9% |
| Admin fee / account holder | $977 | $7,953-87.7% | $12,993-92.5% | $6,925-85.9% |