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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 | $65,392 | $104,251-37.3% | $91,004-28.1% | $147,586-55.7% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 14.37% | 27.06%-12.7pp | 4.60%+9.8pp | 578.59%-564.2pp |
| Employer contribution / active EE | $3,773 | $3,116+21.1% | $2,456+53.6% | $4,876-22.6% |
| Participant deferral / active EE | $4,977 | $4,195+18.6% | $3,548+40.3% | $5,439-8.5% |
| Admin fee / account holder | $472 | $8,948-94.7% | $5,417-91.3% | $10,886-95.7% |