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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 | $22,968 | $98,240-76.6% | $82,313-72.1% | $147,585-84.4% |
| Participation rate | 94.4% | 79.7%+14.7pp | 76.9%+17.6pp | 82.8%+11.6pp |
| Annual return | 12.19% | 30.85%-18.7pp | 25.88%-13.7pp | 578.58%-566.4pp |
| Employer contribution / active EE | $1,290 | $3,192-59.6% | $2,428-46.9% | $4,876-73.5% |
| Participant deferral / active EE | $6,045 | $4,383+37.9% | $3,706+63.1% | $5,439+11.2% |
| Admin fee / account holder | $1,668 | $8,563-80.5% | $5,608-70.3% | $10,886-84.7% |