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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 | $26,916 | $96,524-72.1% | $75,900-64.5% | $152,909-82.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 22.03% | 33.93%-11.9pp | 30.73%-8.7pp | 345.46%-323.4pp |
| Employer contribution / active EE | $3,253 | $3,311-1.8% | $2,501+30.0% | $4,764-31.7% |
| Participant deferral / active EE | $7,348 | $4,554+61.3% | $3,604+103.9% | $5,851+25.6% |
| Admin fee / account holder | $485 | $8,082-94.0% | $5,421-91.1% | $11,601-95.8% |