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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 | $64,049 | $105,856-39.5% | $90,161-29.0% | $147,586-56.6% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 19.00% | 37.63%-18.6pp | 34.89%-15.9pp | 578.59%-559.6pp |
| Employer contribution / active EE | $2,728 | $4,126-33.9% | $3,318-17.8% | $4,876-44.1% |
| Participant deferral / active EE | $4,857 | $5,733-15.3% | $5,287-8.1% | $5,439-10.7% |
| Admin fee / account holder | $808 | $8,046-90.0% | $5,943-86.4% | $10,886-92.6% |