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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 | $68,452 | $111,814-38.8% | $103,374-33.8% | $145,959-53.1% |
| Participation rate | 94.7% | 77.9%+16.8pp | 74.5%+20.2pp | 80.3%+14.5pp |
| Annual return | 11.58% | 24.77%-13.2pp | 24.89%-13.3pp | 561.95%-550.4pp |
| Employer contribution / active EE | $9,352 | $4,214+122.0% | $3,869+141.7% | $4,661+100.7% |
| Participant deferral / active EE | $2,320 | $5,618-58.7% | $5,058-54.1% | $6,689-65.3% |
| Admin fee / account holder | $25,540 | $9,754+161.8% | $8,394+204.3% | $13,398+90.6% |