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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 | $46,168 | $103,392-55.3% | $87,104-47.0% | $152,897-69.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 18.49% | 28.10%-9.6pp | 28.19%-9.7pp | 345.43%-326.9pp |
| Employer contribution / active EE | $3,128 | $3,221-2.9% | $2,521+24.1% | $4,764-34.3% |
| Participant deferral / active EE | $4,295 | $4,778-10.1% | $4,048+6.1% | $5,851-26.6% |
| Admin fee / account holder | $429 | $12,194-96.5% | $7,491-94.3% | $11,599-96.3% |