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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 | $47,897 | $106,280-54.9% | $96,538-50.4% | $139,487-65.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 14.85% | 38.48%-23.6pp | 35.74%-20.9pp | 373.84%-359.0pp |
| Employer contribution / active EE | $6,348 | $4,107+54.6% | $3,740+69.7% | $4,755+33.5% |
| Participant deferral / active EE | $2,507 | $5,457-54.1% | $4,880-48.6% | $6,713-62.7% |
| Admin fee / account holder | $3,113 | $7,888-60.5% | $6,737-53.8% | $11,407-72.7% |