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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 | $48,572 | $104,694-53.6% | $85,709-43.3% | $167,536-71.0% |
| Participation rate | 100.0% | 76.4%+23.6pp | 69.9%+30.1pp | 82.1%+17.9pp |
| Annual return | 18.82% | 21.45%-2.6pp | 21.49%-2.7pp | 478.82%-460.0pp |
| Employer contribution / active EE | $5,771 | $3,337+72.9% | $2,619+120.4% | $4,839+19.2% |
| Participant deferral / active EE | $3,638 | $4,826-24.6% | $3,924-7.3% | $6,342-42.6% |
| Admin fee / account holder | $468 | $10,035-95.3% | $6,876-93.2% | $12,315-96.2% |