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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 | $67,596 | $94,766-28.7% | $112,923-40.1% | $139,487-51.5% |
| Participation rate | 100.0% | 81.3%+18.7pp | 80.5%+19.5pp | 80.3%+19.7pp |
| Annual return | 14.56% | 40.96%-26.4pp | 34.13%-19.6pp | 373.84%-359.3pp |
| Employer contribution / active EE | $2,926 | $4,636-36.9% | $4,570-36.0% | $4,755-38.5% |
| Participant deferral / active EE | $7,340 | $6,523+12.5% | $6,520+12.6% | $6,713+9.4% |
| Admin fee / account holder | $620 | $8,529-92.7% | $7,046-91.2% | $11,407-94.6% |