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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 | $31,375 | $98,776-68.2% | $149,745-79.0% | $79,856-60.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 29.31% | 27.38%+1.9pp | 276.72%-247.4pp | 31.71%-2.4pp |
| Employer contribution / active EE | $3,768 | $3,217+17.1% | $4,646-18.9% | $2,471+52.5% |
| Participant deferral / active EE | $8,117 | $5,681+42.9% | $6,843+18.6% | $3,741+117.0% |
| Admin fee / account holder | $4,488 | $6,053-25.8% | $9,312-51.8% | $5,306-15.4% |