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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 | $51,161 | $227,597-77.5% | $189,575-73.0% | $167,536-69.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 17.04% | 78.44%-61.4pp | 64.19%-47.2pp | 478.82%-461.8pp |
| Employer contribution / active EE | $3,505 | $5,316-34.1% | $4,412-20.5% | $4,839-27.6% |
| Participant deferral / active EE | $8,271 | $7,002+18.1% | $6,174+34.0% | $6,342+30.4% |
| Admin fee / account holder | $473 | $11,877-96.0% | $9,806-95.2% | $12,315-96.2% |