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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 | $32,063 | $80,985-60.4% | $96,576-66.8% | $75,181-57.4% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 55.67% | 27.05%+28.6pp | 25.87%+29.8pp | 160.69%-105.0pp |
| Employer contribution / active EE | $2,630 | $2,282+15.2% | $2,965-11.3% | $2,671-1.5% |
| Participant deferral / active EE | $5,479 | $3,929+39.5% | $4,851+13.0% | $4,126+32.8% |
| Admin fee / account holder | $1,706 | $6,719-74.6% | $8,253-79.3% | $5,650-69.8% |