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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 | $81,761 | $113,338-27.9% | $94,993-13.9% | $147,586-44.6% |
| Participation rate | 90.9% | 78.0%+12.9pp | 73.9%+17.0pp | 82.8%+8.1pp |
| Annual return | 7.31% | 20.80%-13.5pp | 27.14%-19.8pp | 578.59%-571.3pp |
| Employer contribution / active EE | $9,212 | $3,160+191.5% | $2,603+253.8% | $4,876+88.9% |
| Participant deferral / active EE | $7,410 | $3,777+96.2% | $3,317+123.4% | $5,439+36.2% |
| Admin fee / account holder | $723 | $6,063-88.1% | $4,960-85.4% | $10,886-93.4% |