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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 | $124,424 | $70,430+76.7% | $96,572+28.8% | $85,851+44.9% |
| Participation rate | 97.1% | 61.8%+35.2pp | 69.8%+27.2pp | 69.3%+27.7pp |
| Annual return | 14.25% | 18.58%-4.3pp | 37.79%-23.5pp | 318.63%-304.4pp |
| Employer contribution / active EE | $1,035 | $1,413-26.8% | $2,357-56.1% | $2,565-59.7% |
| Participant deferral / active EE | $6,947 | $2,894+140.0% | $3,850+80.5% | $3,952+75.8% |
| Admin fee / account holder | $2,152 | $4,996-56.9% | $6,183-65.2% | $6,261-65.6% |