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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 | $35,839 | $232,540-84.6% | $185,117-80.6% | $147,586-75.7% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 14.46% | 43.03%-28.6pp | 40.50%-26.0pp | 578.59%-564.1pp |
| Employer contribution / active EE | $1,138 | $5,195-78.1% | $4,182-72.8% | $4,876-76.7% |
| Participant deferral / active EE | $3,997 | $5,834-31.5% | $5,045-20.8% | $5,439-26.5% |
| Admin fee / account holder | $12,781 | $10,275+24.4% | $8,159+56.6% | $10,886+17.4% |