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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 | $69,707 | $111,535-37.5% | $105,223-33.8% | $137,256-49.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.42% | 237.85%-219.4pp | 180.65%-162.2pp | 220.34%-201.9pp |
| Employer contribution / active EE | $10,113 | $3,939+156.7% | $3,689+174.2% | $4,156+143.3% |
| Participant deferral / active EE | $5,733 | $5,500+4.2% | $5,072+13.0% | $6,407-10.5% |
| Admin fee / account holder | $784 | $9,721-91.9% | $8,859-91.2% | $12,270-93.6% |