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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 | $50,259 | $98,776-49.1% | $149,745-66.4% | $79,856-37.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 17.12% | 27.38%-10.3pp | 276.72%-259.6pp | 31.71%-14.6pp |
| Employer contribution / active EE | $4,145 | $3,217+28.8% | $4,646-10.8% | $2,471+67.7% |
| Participant deferral / active EE | $6,412 | $5,681+12.9% | $6,843-6.3% | $3,741+71.4% |
| Admin fee / account holder | $509 | $6,053-91.6% | $9,312-94.5% | $5,306-90.4% |