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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 | $46,129 | $185,312-75.1% | $161,489-71.4% | $154,746-70.2% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 11.24% | 103.84%-92.6pp | 89.72%-78.5pp | 172.34%-161.1pp |
| Employer contribution / active EE | $2,203 | $4,769-53.8% | $4,268-48.4% | $4,379-49.7% |
| Participant deferral / active EE | $5,173 | $6,350-18.5% | $5,630-8.1% | $6,730-23.1% |
| Admin fee / account holder | $23,930 | $18,654+28.3% | $16,006+49.5% | $14,365+66.6% |