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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 | $31,506 | $117,846-73.3% | $102,434-69.2% | $145,884-78.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 11.52% | 31.90%-20.4pp | 29.46%-17.9pp | 551.85%-540.3pp |
| Employer contribution / active EE | $4,072 | $3,615+12.6% | $3,023+34.7% | $4,662-12.7% |
| Participant deferral / active EE | $8,317 | $5,733+45.1% | $5,055+64.5% | $6,690+24.3% |
| Admin fee / account holder | $915 | $13,356-93.1% | $9,462-90.3% | $13,392-93.2% |