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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 | $75,064 | $105,864-29.1% | $90,162-16.7% | $147,585-49.1% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 19.15% | 37.63%-18.5pp | 34.88%-15.7pp | 578.57%-559.4pp |
| Employer contribution / active EE | $2,804 | $4,126-32.0% | $3,318-15.5% | $4,876-42.5% |
| Participant deferral / active EE | $4,848 | $5,733-15.4% | $5,287-8.3% | $5,439-10.9% |
| Admin fee / account holder | $10,064 | $8,046+25.1% | $5,943+69.4% | $10,885-7.5% |