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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 | $66,558 | $106,247-37.4% | $96,515-31.0% | $139,466-52.3% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 20.63% | 38.47%-17.8pp | 35.73%-15.1pp | 373.66%-353.0pp |
| Employer contribution / active EE | $1,980 | $4,106-51.8% | $3,740-47.0% | $4,754-58.3% |
| Participant deferral / active EE | $17,156 | $5,456+214.5% | $4,880+251.6% | $6,712+155.6% |
| Admin fee / account holder | $965 | $7,885-87.8% | $6,735-85.7% | $11,409-91.5% |