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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 | $65,829 | $61,125+7.7% | $94,057-30.0% | $87,485-24.8% |
| Participation rate | 100.0% | 64.1%+35.9pp | 73.3%+26.7pp | 68.9%+31.1pp |
| Annual return | 16.65% | 35.20%-18.5pp | 480.62%-464.0pp | 26.06%-9.4pp |
| Employer contribution / active EE | $1,995 | $2,136-6.6% | $2,933-32.0% | $2,596-23.2% |
| Participant deferral / active EE | $4,309 | $3,260+32.2% | $4,709-8.5% | $4,274+0.8% |
| Admin fee / account holder | $1,565 | $5,629-72.2% | $7,244-78.4% | $7,775-79.9% |