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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 | $30,483 | $97,125-68.6% | $86,233-64.7% | $137,256-77.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 17.17% | 74.19%-57.0pp | 61.39%-44.2pp | 220.34%-203.2pp |
| Employer contribution / active EE | $1,298 | $2,841-54.3% | $2,504-48.2% | $4,156-68.8% |
| Participant deferral / active EE | $6,456 | $5,180+24.6% | $4,559+41.6% | $6,407+0.8% |
| Admin fee / account holder | $384 | $9,725-96.0% | $8,342-95.4% | $12,270-96.9% |