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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 | $36,319 | $98,760-63.2% | $149,715-75.7% | $79,858-54.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 25.85% | 27.43%-1.6pp | 276.66%-250.8pp | 31.72%-5.9pp |
| Employer contribution / active EE | $1,366 | $3,217-57.5% | $4,645-70.6% | $2,471-44.7% |
| Participant deferral / active EE | $6,991 | $5,681+23.1% | $6,842+2.2% | $3,740+86.9% |
| Admin fee / account holder | $421 | $6,053-93.0% | $9,310-95.5% | $5,306-92.1% |