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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 | $66,580 | $93,345-28.7% | $119,126-44.1% | $87,485-23.9% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 16.35% | 19.08%-2.7pp | 282.11%-265.8pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,442 | $3,172-23.0% | $4,034-39.4% | $2,596-5.9% |
| Participant deferral / active EE | $5,529 | $4,099+34.9% | $5,318+4.0% | $4,274+29.4% |
| Admin fee / account holder | $520 | $8,039-93.5% | $10,693-95.1% | $7,775-93.3% |