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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 | $52,662 | $78,428-32.9% | $95,960-45.1% | $79,852-34.1% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 11.42% | 19.37%-8.0pp | 91.63%-80.2pp | 31.72%-20.3pp |
| Employer contribution / active EE | $3,457 | $1,945+77.7% | $2,541+36.1% | $2,471+39.9% |
| Participant deferral / active EE | $3,250 | $3,440-5.5% | $4,167-22.0% | $3,740-13.1% |
| Admin fee / account holder | $10,486 | $5,622+86.5% | $6,797+54.3% | $5,306+97.6% |