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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 | $47,589 | $111,535-57.3% | $105,223-54.8% | $137,256-65.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.18% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $2,955 | $3,939-25.0% | $3,689-19.9% | $4,156-28.9% |
| Participant deferral / active EE | $6,617 | $5,500+20.3% | $5,072+30.5% | $6,407+3.3% |
| Admin fee / account holder | $3,424 | $9,721-64.8% | $8,859-61.3% | $12,270-72.1% |