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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 | $36,335 | $98,766-63.2% | $149,730-75.7% | $79,852-54.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 18.74% | 27.43%-8.7pp | 276.70%-258.0pp | 31.72%-13.0pp |
| Employer contribution / active EE | $4,278 | $3,217+33.0% | $4,645-7.9% | $2,471+73.1% |
| Participant deferral / active EE | $3,576 | $5,681-37.0% | $6,843-47.7% | $3,740-4.4% |
| Admin fee / account holder | $2,107 | $6,052-65.2% | $9,310-77.4% | $5,306-60.3% |