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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 | $63,994 | $95,406-32.9% | $185,849-65.6% | $85,847-25.5% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 14.23% | 23.59%-9.4pp | 122.10%-107.9pp | 318.61%-304.4pp |
| Employer contribution / active EE | $2,038 | $3,314-38.5% | $5,169-60.6% | $2,565-20.6% |
| Participant deferral / active EE | $4,586 | $3,424+33.9% | $5,569-17.7% | $3,952+16.0% |
| Admin fee / account holder | $509 | $7,214-92.9% | $16,244-96.9% | $6,261-91.9% |