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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 | $20,186 | $113,338-82.2% | $94,993-78.8% | $147,586-86.3% |
| Participation rate | 100.0% | 78.0%+22.0pp | 73.9%+26.1pp | 82.8%+17.2pp |
| Annual return | 18.59% | 20.80%-2.2pp | 27.14%-8.6pp | 578.59%-560.0pp |
| Employer contribution / active EE | $2,079 | $3,160-34.2% | $2,603-20.2% | $4,876-57.4% |
| Participant deferral / active EE | $4,565 | $3,777+20.9% | $3,317+37.6% | $5,439-16.1% |
| Admin fee / account holder | $461 | $6,063-92.4% | $4,960-90.7% | $10,886-95.8% |