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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 | $87,467 | $127,779-31.5% | $106,551-17.9% | $167,518-47.8% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 19.65% | 33.87%-14.2pp | 26.80%-7.1pp | 478.71%-459.1pp |
| Employer contribution / active EE | $1,367 | $3,427-60.1% | $2,819-51.5% | $4,838-71.7% |
| Participant deferral / active EE | $3,146 | $5,088-38.2% | $4,398-28.5% | $6,342-50.4% |
| Admin fee / account holder | $1,263 | $11,228-88.8% | $7,408-82.9% | $12,312-89.7% |