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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 | $28,096 | $98,760-71.6% | $149,715-81.2% | $79,858-64.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 15.89% | 27.43%-11.5pp | 276.66%-260.8pp | 31.72%-15.8pp |
| Employer contribution / active EE | $4,840 | $3,217+50.5% | $4,645+4.2% | $2,471+95.9% |
| Participant deferral / active EE | $4,166 | $5,681-26.7% | $6,842-39.1% | $3,740+11.4% |
| Admin fee / account holder | $1,594 | $6,053-73.7% | $9,310-82.9% | $5,306-70.0% |