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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 | $75,622 | $157,276-51.9% | $141,177-46.4% | $152,885-50.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.41% | 64.33%-40.9pp | 71.40%-48.0pp | 345.39%-322.0pp |
| Employer contribution / active EE | $3,560 | $5,262-32.3% | $4,736-24.8% | $4,763-25.3% |
| Participant deferral / active EE | $5,141 | $7,110-27.7% | $6,710-23.4% | $5,851-12.1% |
| Admin fee / account holder | $804 | $12,123-93.4% | $10,263-92.2% | $11,598-93.1% |