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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 | $45,184 | $65,367-30.9% | $92,915-51.4% | $72,976-38.1% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 25.29% | 42.11%-16.8pp | 109.45%-84.2pp | 81.02%-55.7pp |
| Employer contribution / active EE | $19,212 | $2,594+640.7% | $3,653+425.9% | $2,440+687.4% |
| Participant deferral / active EE | $3,456 | $3,128+10.5% | $4,238-18.5% | $3,608-4.2% |
| Admin fee / account holder | $2,191 | $4,251-48.5% | $5,796-62.2% | $5,124-57.2% |