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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 | $56,629 | $162,812-65.2% | $133,971-57.7% | $158,966-64.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 27.43% | 41.94%-14.5pp | 45.09%-17.7pp | 302.95%-275.5pp |
| Employer contribution / active EE | $2,453 | $4,976-50.7% | $3,919-37.4% | $4,762-48.5% |
| Participant deferral / active EE | $9,019 | $5,910+52.6% | $5,047+78.7% | $5,983+50.7% |
| Admin fee / account holder | $609 | $11,741-94.8% | $8,929-93.2% | $11,250-94.6% |