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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 | $44,982 | $105,929-57.5% | $81,716-45.0% | $158,966-71.7% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | 25.65% | 38.19%-12.5pp | 29.49%-3.8pp | 302.95%-277.3pp |
| Employer contribution / active EE | $3,007 | $7,802-61.5% | $4,310-30.2% | $4,762-36.9% |
| Participant deferral / active EE | $8,275 | $13,007-36.4% | $7,108+16.4% | $5,983+38.3% |
| Admin fee / account holder | $984 | $8,492-88.4% | $5,159-80.9% | $11,250-91.3% |