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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 | $76,385 | $85,766-10.9% | $136,298-44.0% | $70,126+8.9% |
| Participation rate | 98.2% | 74.2%+24.0pp | 81.9%+16.3pp | 69.5%+28.6pp |
| Annual return | 15.62% | 31.46%-15.8pp | 5156.27%-5140.7pp | 73.15%-57.5pp |
| Employer contribution / active EE | $896 | $2,966-69.8% | $4,696-80.9% | $2,343-61.8% |
| Participant deferral / active EE | $2,312 | $5,051-54.2% | $6,247-63.0% | $3,332-30.6% |
| Admin fee / account holder | $2,347 | $5,421-56.7% | $9,244-74.6% | $4,645-49.5% |