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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 | $56,001 | $178,174-68.6% | $156,181-64.1% | $137,256-59.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 17.45% | 84.19%-66.7pp | 64.87%-47.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $3,206 | $4,972-35.5% | $4,294-25.3% | $4,156-22.8% |
| Participant deferral / active EE | $10,594 | $6,888+53.8% | $6,132+72.8% | $6,407+65.4% |
| Admin fee / account holder | $5,382 | $17,404-69.1% | $14,586-63.1% | $12,270-56.1% |