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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 | $48,329 | $95,188-49.2% | $76,518-36.8% | $135,379-64.3% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | 12.91% | 4.85%+8.1pp | -0.27%+13.2pp | 519.79%-506.9pp |
| Employer contribution / active EE | $10,000 | $3,303+202.8% | $2,647+277.7% | $4,779+109.3% |
| Participant deferral / active EE | $12,333 | $4,640+165.8% | $3,836+221.5% | $5,609+119.9% |
| Admin fee / account holder | $7,076 | $6,249+13.2% | $4,849+45.9% | $10,828-34.6% |