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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 | $96,698 | $99,032-2.4% | $80,022+20.8% | $135,380-28.6% |
| Participation rate | 87.5% | 78.4%+9.1pp | 75.8%+11.7pp | 82.6%+4.9pp |
| Annual return | 40.42% | 15.39%+25.0pp | 11.22%+29.2pp | 519.81%-479.4pp |
| Employer contribution / active EE | $1,374 | $3,043-54.8% | $2,468-44.3% | $4,779-71.2% |
| Participant deferral / active EE | $1,781 | $4,282-58.4% | $3,686-51.7% | $5,609-68.3% |
| Admin fee / account holder | $56,732 | $10,436+443.6% | $6,521+770.0% | $10,828+423.9% |