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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 | $42,625 | $78,682-45.8% | $109,188-61.0% | $85,851-50.4% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 12.01% | 25.09%-13.1pp | 25.76%-13.7pp | 318.63%-306.6pp |
| Employer contribution / active EE | $5,476 | $2,734+100.3% | $3,723+47.1% | $2,565+113.4% |
| Participant deferral / active EE | $1,840 | $3,468-46.9% | $4,654-60.5% | $3,952-53.4% |
| Admin fee / account holder | $747 | $5,470-86.3% | $6,755-88.9% | $6,261-88.1% |