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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 | $64,481 | $93,345-30.9% | $119,126-45.9% | $87,485-26.3% |
| Participation rate | 98.2% | 68.7%+29.5pp | 75.8%+22.5pp | 68.9%+29.3pp |
| Annual return | 17.31% | 19.08%-1.8pp | 282.11%-264.8pp | 26.06%-8.7pp |
| Employer contribution / active EE | $1,084 | $3,172-65.8% | $4,034-73.1% | $2,596-58.2% |
| Participant deferral / active EE | $7,212 | $4,099+76.0% | $5,318+35.6% | $4,274+68.8% |
| Admin fee / account holder | $4,485 | $8,039-44.2% | $10,693-58.1% | $7,775-42.3% |