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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 | $22,226 | $124,351-82.1% | $109,188-79.6% | $167,553-86.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 12.43% | 26.04%-13.6pp | 25.76%-13.3pp | 478.89%-466.5pp |
| Employer contribution / active EE | $1,043 | $4,210-75.2% | $3,723-72.0% | $4,840-78.5% |
| Participant deferral / active EE | $3,358 | $5,257-36.1% | $4,654-27.9% | $6,343-47.1% |
| Admin fee / account holder | $1,092 | $7,975-86.3% | $6,755-83.8% | $12,316-91.1% |