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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 | $68,207 | $85,766-20.5% | $136,298-50.0% | $70,126-2.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 16.40% | 31.46%-15.1pp | 5156.27%-5139.9pp | 73.15%-56.7pp |
| Employer contribution / active EE | $2,710 | $2,966-8.6% | $4,696-42.3% | $2,343+15.7% |
| Participant deferral / active EE | $4,086 | $5,051-19.1% | $6,247-34.6% | $3,332+22.6% |
| Admin fee / account holder | $955 | $5,421-82.4% | $9,244-89.7% | $4,645-79.4% |