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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 | $30,629 | $93,345-67.2% | $119,126-74.3% | $87,485-65.0% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 22.79% | 19.08%+3.7pp | 282.11%-259.3pp | 26.06%-3.3pp |
| Employer contribution / active EE | $2,845 | $3,172-10.3% | $4,034-29.5% | $2,596+9.6% |
| Participant deferral / active EE | $2,954 | $4,099-27.9% | $5,318-44.4% | $4,274-30.9% |
| Admin fee / account holder | $606 | $8,039-92.5% | $10,693-94.3% | $7,775-92.2% |