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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 | $8,883 | $51,222-82.7% | $70,544-87.4% | $75,173-88.2% |
| Participation rate | 89.1% | 61.0%+28.1pp | 68.4%+20.7pp | 67.2%+21.9pp |
| Annual return | 59.84% | 30.06%+29.8pp | 32.79%+27.0pp | 160.72%-100.9pp |
| Employer contribution / active EE | $1,165 | $1,827-36.2% | $2,976-60.8% | $2,671-56.4% |
| Participant deferral / active EE | $2,916 | $2,850+2.3% | $4,568-36.2% | $4,126-29.3% |
| Admin fee / account holder | $457 | $4,096-88.8% | $6,427-92.9% | $5,651-91.9% |