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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 | $23,550 | $141,004-83.3% | $112,273-79.0% | $139,466-83.1% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 19.73% | 32.75%-13.0pp | 30.23%-10.5pp | 373.66%-353.9pp |
| Employer contribution / active EE | $3,937 | $4,285-8.1% | $3,431+14.7% | $4,754-17.2% |
| Participant deferral / active EE | $2,921 | $5,878-50.3% | $4,800-39.1% | $6,712-56.5% |
| Admin fee / account holder | $654 | $9,959-93.4% | $7,752-91.6% | $11,409-94.3% |