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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 | $83,199 | $68,852+20.8% | $120,524-31.0% | $80,925+2.8% |
| Participation rate | 91.3% | 61.6%+29.7pp | 71.9%+19.4pp | 67.7%+23.6pp |
| Annual return | 12.81% | 23.67%-10.9pp | 107.36%-94.6pp | 35.65%-22.8pp |
| Employer contribution / active EE | $12,095 | $2,063+486.2% | $3,469+248.7% | $2,756+338.8% |
| Participant deferral / active EE | $1,300 | $3,187-59.2% | $4,994-74.0% | $4,299-69.8% |
| Admin fee / account holder | $4,341 | $5,781-24.9% | $9,440-54.0% | $6,940-37.5% |