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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 | $62,855 | $65,364-3.8% | $92,909-32.3% | $72,975-13.9% |
| Participation rate | 98.1% | 68.3%+29.8pp | 76.0%+22.1pp | 69.5%+28.6pp |
| Annual return | 23.15% | 42.11%-19.0pp | 109.44%-86.3pp | 81.01%-57.9pp |
| Employer contribution / active EE | $16,232 | $2,594+525.7% | $3,653+344.3% | $2,440+565.2% |
| Participant deferral / active EE | $2,802 | $3,128-10.4% | $4,238-33.9% | $3,608-22.3% |
| Admin fee / account holder | $8,899 | $4,251+109.3% | $5,795+53.6% | $5,124+73.7% |