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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 | $45,224 | $147,556-69.4% | $129,031-65.0% | $198,609-77.2% |
| Participation rate | 100.0% | 77.2%+22.8pp | 73.4%+26.6pp | 82.4%+17.6pp |
| Annual return | 18.25% | 37.41%-19.2pp | 34.67%-16.4pp | 202.70%-184.4pp |
| Employer contribution / active EE | $2,722 | $3,645-25.3% | $3,226-15.6% | $5,055-46.2% |
| Participant deferral / active EE | $5,222 | $5,760-9.3% | $5,217+0.1% | $6,977-25.2% |
| Admin fee / account holder | $821 | $15,467-94.7% | $13,208-93.8% | $19,030-95.7% |