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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 | $47,562 | $103,392-54.0% | $87,104-45.4% | $152,897-68.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 44.00% | 28.10%+15.9pp | 28.19%+15.8pp | 345.43%-301.4pp |
| Employer contribution / active EE | $1,486 | $3,221-53.9% | $2,521-41.1% | $4,764-68.8% |
| Participant deferral / active EE | $7,246 | $4,778+51.6% | $4,048+79.0% | $5,851+23.8% |
| Admin fee / account holder | $477 | $12,194-96.1% | $7,491-93.6% | $11,599-95.9% |