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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 | $61,959 | $101,063-38.7% | $81,473-24.0% | $147,585-58.0% |
| Participation rate | 90.0% | 74.5%+15.5pp | 68.0%+22.0pp | 82.8%+7.2pp |
| Annual return | 12.31% | 32.41%-20.1pp | 38.78%-26.5pp | 578.58%-566.3pp |
| Employer contribution / active EE | $3,997 | $3,206+24.7% | $2,568+55.7% | $4,876-18.0% |
| Participant deferral / active EE | $1,884 | $4,242-55.6% | $3,537-46.7% | $5,439-65.4% |
| Admin fee / account holder | $650 | $5,812-88.8% | $4,561-85.7% | $10,886-94.0% |