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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 | $32,415 | $114,013-71.6% | $103,693-68.7% | $155,188-79.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 18.60% | 49.31%-30.7pp | 47.61%-29.0pp | 148.84%-130.2pp |
| Employer contribution / active EE | $2,444 | $3,131-21.9% | $2,920-16.3% | $4,248-42.5% |
| Participant deferral / active EE | $7,717 | $4,970+55.3% | $4,579+68.5% | $6,531+18.2% |
| Admin fee / account holder | $5,955 | $8,407-29.2% | $7,858-24.2% | $14,480-58.9% |