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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 | $69,330 | $98,240-29.4% | $82,313-15.8% | $147,585-53.0% |
| Participation rate | 100.0% | 79.7%+20.3pp | 76.9%+23.1pp | 82.8%+17.2pp |
| Annual return | 15.97% | 30.85%-14.9pp | 25.88%-9.9pp | 578.58%-562.6pp |
| Employer contribution / active EE | $6,366 | $3,192+99.4% | $2,428+162.1% | $4,876+30.5% |
| Participant deferral / active EE | $4,111 | $4,383-6.2% | $3,706+10.9% | $5,439-24.4% |
| Admin fee / account holder | $402 | $8,563-95.3% | $5,608-92.8% | $10,886-96.3% |