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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 | $22,875 | $110,410-79.3% | $102,437-77.7% | $145,897-84.3% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 12.67% | 24.85%-12.2pp | 24.95%-12.3pp | 552.29%-539.6pp |
| Employer contribution / active EE | $3,939 | $4,217-6.6% | $3,871+1.8% | $4,663-15.5% |
| Participant deferral / active EE | $3,052 | $5,622-45.7% | $5,060-39.7% | $6,689-54.4% |
| Admin fee / account holder | $6,879 | $9,745-29.4% | $8,388-18.0% | $13,390-48.6% |