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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 | $52,368 | $104,251-49.8% | $91,004-42.5% | $147,586-64.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 18.65% | 27.06%-8.4pp | 4.60%+14.1pp | 578.59%-559.9pp |
| Employer contribution / active EE | $2,088 | $3,116-33.0% | $2,456-15.0% | $4,876-57.2% |
| Participant deferral / active EE | $7,170 | $4,195+70.9% | $3,548+102.1% | $5,439+31.8% |
| Admin fee / account holder | $784 | $8,948-91.2% | $5,417-85.5% | $10,886-92.8% |