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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 | $88,535 | $107,421-17.6% | $182,262-51.4% | $94,015-5.8% |
| Participation rate | 100.0% | 77.8%+22.2pp | 84.2%+15.8pp | 70.8%+29.2pp |
| Annual return | 14.73% | 21.32%-6.6pp | 140.60%-125.9pp | 17.84%-3.1pp |
| Employer contribution / active EE | $651 | $3,448-81.1% | $5,046-87.1% | $2,790-76.7% |
| Participant deferral / active EE | $9,786 | $6,558+49.2% | $8,276+18.2% | $4,249+130.3% |
| Admin fee / account holder | $5,803 | $8,692-33.2% | $16,712-65.3% | $8,951-35.2% |