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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 | $38,390 | $141,004-72.8% | $112,273-65.8% | $139,466-72.5% |
| Participation rate | 100.0% | 79.2%+20.8pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 19.02% | 32.75%-13.7pp | 30.23%-11.2pp | 373.66%-354.6pp |
| Employer contribution / active EE | $2,572 | $4,285-40.0% | $3,431-25.0% | $4,754-45.9% |
| Participant deferral / active EE | $6,365 | $5,878+8.3% | $4,800+32.6% | $6,712-5.2% |
| Admin fee / account holder | $1,939 | $9,959-80.5% | $7,752-75.0% | $11,409-83.0% |