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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 | $59,967 | $124,351-51.8% | $109,188-45.1% | $167,553-64.2% |
| Participation rate | 88.9% | 79.4%+9.4pp | 75.9%+13.0pp | 82.1%+6.8pp |
| Annual return | 14.83% | 26.04%-11.2pp | 25.76%-10.9pp | 478.89%-464.1pp |
| Employer contribution / active EE | $2,080 | $4,210-50.6% | $3,723-44.1% | $4,840-57.0% |
| Participant deferral / active EE | $6,856 | $5,257+30.4% | $4,654+47.3% | $6,343+8.1% |
| Admin fee / account holder | $2,440 | $7,975-69.4% | $6,755-63.9% | $12,316-80.2% |