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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 | $54,784 | $116,203-52.9% | $93,621-41.5% | $152,909-64.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 16.13% | 35.96%-19.8pp | 32.76%-16.6pp | 345.46%-329.3pp |
| Employer contribution / active EE | $4,532 | $3,219+40.8% | $2,719+66.7% | $4,764-4.9% |
| Participant deferral / active EE | $3,112 | $4,605-32.4% | $4,070-23.5% | $5,851-46.8% |
| Admin fee / account holder | $1,036 | $10,751-90.4% | $7,890-86.9% | $11,601-91.1% |