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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 | $45,982 | $98,766-53.4% | $149,730-69.3% | $79,852-42.4% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 34.40% | 27.43%+7.0pp | 276.70%-242.3pp | 31.72%+2.7pp |
| Employer contribution / active EE | $4,911 | $3,217+52.7% | $4,645+5.7% | $2,471+98.7% |
| Participant deferral / active EE | $7,911 | $5,681+39.3% | $6,843+15.6% | $3,740+111.5% |
| Admin fee / account holder | $712 | $6,052-88.2% | $9,310-92.4% | $5,306-86.6% |