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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 | $45,089 | $97,125-53.6% | $86,233-47.7% | $137,256-67.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 16.99% | 74.19%-57.2pp | 61.39%-44.4pp | 220.34%-203.4pp |
| Employer contribution / active EE | $2,047 | $2,841-27.9% | $2,504-18.2% | $4,156-50.7% |
| Participant deferral / active EE | $6,245 | $5,180+20.6% | $4,559+37.0% | $6,407-2.5% |
| Admin fee / account holder | $688 | $9,725-92.9% | $8,342-91.8% | $12,270-94.4% |