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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 | $61,116 | $97,125-37.1% | $86,233-29.1% | $137,256-55.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 16.99% | 74.19%-57.2pp | 61.39%-44.4pp | 220.34%-203.3pp |
| Employer contribution / active EE | $4,251 | $2,841+49.6% | $2,504+69.7% | $4,156+2.3% |
| Participant deferral / active EE | $18,842 | $5,180+263.8% | $4,559+313.3% | $6,407+194.1% |
| Admin fee / account holder | $8,917 | $9,725-8.3% | $8,342+6.9% | $12,270-27.3% |