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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 | $19,400 | $106,247-81.7% | $96,515-79.9% | $139,466-86.1% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 16.07% | 38.47%-22.4pp | 35.73%-19.7pp | 373.66%-357.6pp |
| Employer contribution / active EE | $3,332 | $4,106-18.9% | $3,740-10.9% | $4,754-29.9% |
| Participant deferral / active EE | $1,935 | $5,456-64.5% | $4,880-60.4% | $6,712-71.2% |
| Admin fee / account holder | $309 | $7,885-96.1% | $6,735-95.4% | $11,409-97.3% |