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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 | $55,052 | $98,760-44.3% | $149,715-63.2% | $79,858-31.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 28.64% | 27.43%+1.2pp | 276.66%-248.0pp | 31.72%-3.1pp |
| Employer contribution / active EE | $1,713 | $3,217-46.8% | $4,645-63.1% | $2,471-30.7% |
| Participant deferral / active EE | $8,287 | $5,681+45.9% | $6,842+21.1% | $3,740+121.6% |
| Admin fee / account holder | $3,487 | $6,053-42.4% | $9,310-62.5% | $5,306-34.3% |