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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 | $32,401 | $117,895-72.5% | $102,460-68.4% | $145,897-77.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 10.77% | 31.92%-21.2pp | 29.47%-18.7pp | 552.29%-541.5pp |
| Employer contribution / active EE | $2,358 | $3,619-34.8% | $3,025-22.1% | $4,663-49.4% |
| Participant deferral / active EE | $5,293 | $5,736-7.7% | $5,056+4.7% | $6,689-20.9% |
| Admin fee / account holder | $959 | $13,353-92.8% | $9,460-89.9% | $13,390-92.8% |