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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 | $50,225 | $51,638-2.7% | $68,368-26.5% | $82,448-39.1% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 15.20% | 37.53%-22.3pp | 292.57%-277.4pp | 41.64%-26.4pp |
| Employer contribution / active EE | $2,256 | $2,047+10.3% | $2,649-14.8% | $2,551-11.5% |
| Participant deferral / active EE | $1,428 | $2,914-51.0% | $4,123-65.4% | $4,139-65.5% |
| Admin fee / account holder | $372 | $4,643-92.0% | $5,150-92.8% | $7,234-94.9% |