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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 | $55,765 | $124,346-55.2% | $111,308-49.9% | $167,536-66.7% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 16.76% | 37.45%-20.7pp | 54.67%-37.9pp | 478.82%-462.1pp |
| Employer contribution / active EE | $3,058 | $3,437-11.0% | $2,732+12.0% | $4,839-36.8% |
| Participant deferral / active EE | $9,657 | $5,182+86.4% | $4,487+115.2% | $6,342+52.3% |
| Admin fee / account holder | $7,802 | $10,621-26.5% | $7,965-2.0% | $12,315-36.6% |