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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 | $31,028 | $124,314-75.0% | $109,163-71.6% | $167,518-81.5% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.9%+14.1pp | 82.1%+7.9pp |
| Annual return | 12.65% | 26.04%-13.4pp | 25.75%-13.1pp | 478.71%-466.1pp |
| Employer contribution / active EE | $9,040 | $4,209+114.8% | $3,723+142.8% | $4,838+86.8% |
| Participant deferral / active EE | $2,972 | $5,256-43.5% | $4,654-36.1% | $6,342-53.1% |
| Admin fee / account holder | $442 | $7,973-94.5% | $6,754-93.5% | $12,312-96.4% |