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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 | $39,168 | $142,426-72.5% | $115,167-66.0% | $152,909-74.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 75.9%+24.1pp | 82.5%+17.5pp |
| Annual return | 25.85% | 41.48%-15.6pp | 35.60%-9.8pp | 345.46%-319.6pp |
| Employer contribution / active EE | $2,788 | $4,011-30.5% | $3,179-12.3% | $4,764-41.5% |
| Participant deferral / active EE | $6,704 | $5,165+29.8% | $4,169+60.8% | $5,851+14.6% |
| Admin fee / account holder | $2,065 | $8,464-75.6% | $7,089-70.9% | $11,601-82.2% |