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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 | $37,883 | $127,790-70.4% | $106,555-64.4% | $167,536-77.4% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 23.12% | 33.88%-10.8pp | 26.80%-3.7pp | 478.82%-455.7pp |
| Employer contribution / active EE | $4,095 | $3,428+19.5% | $2,819+45.3% | $4,839-15.4% |
| Participant deferral / active EE | $8,661 | $5,088+70.2% | $4,399+96.9% | $6,342+36.6% |
| Admin fee / account holder | $3,836 | $11,229-65.8% | $7,408-48.2% | $12,315-68.8% |