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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 | $59,144 | $98,776-40.1% | $149,745-60.5% | $79,856-25.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 16.66% | 27.38%-10.7pp | 276.72%-260.1pp | 31.71%-15.0pp |
| Employer contribution / active EE | $4,316 | $3,217+34.2% | $4,646-7.1% | $2,471+74.7% |
| Participant deferral / active EE | $6,458 | $5,681+13.7% | $6,843-5.6% | $3,741+72.7% |
| Admin fee / account holder | $851 | $6,053-85.9% | $9,312-90.9% | $5,306-84.0% |