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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 | $62,219 | $77,920-20.2% | $149,723-58.4% | $75,177-17.2% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 19.87% | 31.72%-11.9pp | 134.50%-114.6pp | 160.75%-140.9pp |
| Employer contribution / active EE | $4,056 | $3,138+29.2% | $4,821-15.9% | $2,671+51.8% |
| Participant deferral / active EE | $5,553 | $3,411+62.8% | $5,682-2.3% | $4,126+34.6% |
| Admin fee / account holder | $767 | $5,951-87.1% | $13,215-94.2% | $5,651-86.4% |