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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 | $21,323 | $99,053-78.5% | $88,179-75.8% | $138,895-84.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 23.90% | 78.17%-54.3pp | 64.97%-41.1pp | 145.39%-121.5pp |
| Employer contribution / active EE | $3,778 | $2,882+31.1% | $2,549+48.2% | $4,194-9.9% |
| Participant deferral / active EE | $4,603 | $5,225-11.9% | $4,614-0.2% | $6,396-28.0% |
| Admin fee / account holder | $924 | $8,748-89.4% | $7,673-88.0% | $12,562-92.6% |