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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 | $99,053-54.5% | $88,179-48.9% | $138,895-67.5% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 16.99% | 78.17%-61.2pp | 64.97%-48.0pp | 145.39%-128.4pp |
| Employer contribution / active EE | $2,047 | $2,882-29.0% | $2,549-19.7% | $4,194-51.2% |
| Participant deferral / active EE | $6,245 | $5,225+19.5% | $4,614+35.4% | $6,396-2.4% |
| Admin fee / account holder | $688 | $8,748-92.1% | $7,673-91.0% | $12,562-94.5% |