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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 | $54,494 | $97,125-43.9% | $86,233-36.8% | $137,256-60.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 13.63% | 74.19%-60.6pp | 61.39%-47.8pp | 220.34%-206.7pp |
| Employer contribution / active EE | $3,824 | $2,841+34.6% | $2,504+52.7% | $4,156-8.0% |
| Participant deferral / active EE | $15,135 | $5,180+192.2% | $4,559+232.0% | $6,407+136.2% |
| Admin fee / account holder | $417 | $9,725-95.7% | $8,342-95.0% | $12,270-96.6% |