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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 | $49,813 | $48,053+3.7% | $84,637-41.1% | $72,976-31.7% |
| Participation rate | 100.0% | 57.6%+42.4pp | 68.2%+31.8pp | 69.5%+30.5pp |
| Annual return | 24.62% | 37.39%-12.8pp | 258.82%-234.2pp | 81.02%-56.4pp |
| Employer contribution / active EE | $1,761 | $1,602+9.9% | $2,653-33.6% | $2,440-27.8% |
| Participant deferral / active EE | $2,327 | $2,681-13.2% | $3,900-40.3% | $3,608-35.5% |
| Admin fee / account holder | $445 | $3,395-86.9% | $4,914-90.9% | $5,124-91.3% |