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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 | $29,235 | $114,119-74.4% | $107,187-72.7% | $138,895-79.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 18.28% | 273.21%-254.9pp | 204.55%-186.3pp | 145.39%-127.1pp |
| Employer contribution / active EE | $4,230 | $4,059+4.2% | $3,782+11.8% | $4,194+0.9% |
| Participant deferral / active EE | $4,230 | $5,538-23.6% | $5,096-17.0% | $6,396-33.9% |
| Admin fee / account holder | $1,250 | $10,024-87.5% | $9,162-86.4% | $12,562-90.0% |