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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 | $57,576 | $98,776-41.7% | $149,745-61.6% | $79,856-27.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 19.17% | 27.38%-8.2pp | 276.72%-257.6pp | 31.71%-12.5pp |
| Employer contribution / active EE | $3,704 | $3,217+15.1% | $4,646-20.3% | $2,471+49.9% |
| Participant deferral / active EE | $6,957 | $5,681+22.4% | $6,843+1.7% | $3,741+86.0% |
| Admin fee / account holder | $822 | $6,053-86.4% | $9,312-91.2% | $5,306-84.5% |