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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 | $32,019 | $149,778-78.6% | $118,946-73.1% | $158,950-79.9% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 8.84% | 19.95%-11.1pp | 35.89%-27.0pp | 302.91%-294.1pp |
| Employer contribution / active EE | $1,412 | $4,117-65.7% | $3,263-56.7% | $4,762-70.4% |
| Participant deferral / active EE | $8,667 | $5,225+65.9% | $4,266+103.2% | $5,983+44.9% |
| Admin fee / account holder | $525 | $8,604-93.9% | $6,581-92.0% | $11,248-95.3% |